Best Kabbage Competitors

Get Started With BusinessLoans.com

Total Rating	4.0
Rates & Fees4.6
Services4.0
Eligibility Requirements4.1
Application3.0
Sales & Advertising Transparency3.6
Customer Service4.1
User Reviews4.4

Pros

Funding up to $3 million available
No minimum credit score required
Excellent support and guidance for borrowers

Cons

Little rate or fee information provided
Funding can take a while to disburse

Why We Chose BusinessLoans.com For Loan Variety

BusinessLoans.com is a business loan matchmaking service that connects you to a wide variety of loan offers from among the company's partner lenders, as opposed to Amex Business Blueprint, which only offers a single loan product.

BusinessLoans.com is free to use and lets you receive multiple loan offers without undergoing a hard credit pull. There are no minimum credit score requirements -- if you have poor credit, the company may still find lenders willing to work with you.

BusinessLoans.com is new to the alternative lending scene, but it has already impressed borrowers, judging by comments left on business review sites. It also offers personalized help should you want something other than what its algorithm offers you.

How BusinessLoans.com Differs From Amex Business Blueprint

While Amex Business Blueprint only offers business lines of credit, BusinessLoans.com offers LOCs, term loans, merchant cash advances, and short-term loans.

Funding is available from $5,000 to $3 million, with approvals generally given within one week.

BusinessLoans.com Rates & Fees

It’s free to apply to receive loan offers through BusinessLoans.com. As for specific rates and fees, BusinessLoans.com does not offer any specifics regarding its lines of credit, though it does offer a few general guidelines regarding its partner lending products.

Borrowing Amount: $5,000-$3,000,000
Term Length: 3 months to 5 years
Interest Rates: Not disclosed

BusinessLoans.com Eligibility Requirements

Each lender in BusinessLoans.com’s network has its own eligibility requirements.

Generally, you’ll need at least $100,000 in annual income and at least six months in business to qualify for a loan through BusinessLoans.com, but the company will still try to find an appropriate loan product for you even if you don’t meet these benchmarks.

Choose BusinessLoans.com If...

You want to receive loan offers from multiple lenders by filling out just one application
You have fair or poor credit and you want to connect to business lenders who may be willing to lend to you

Lendio: Best For Comparing Loan Offers

Lendio

Total Rating	4.8
Rates & Fees5.0
Services5.0
Eligibility Requirements4.9
Application4.5
Sales & Advertising Transparency4.4
Customer Service4.9
User Reviews4.9

Pros

Borrower qualifications are lower than banks
Multiple business financing types available
High borrowing amounts

Cons

Rates can be expensive
Funding may take a while to disburse

Why We Chose Lendio For Comparing Loan Offers

Like BusinessLoans.com, Lendio is a business loan matchmaker. Lendio shops your loan request to over 75 lending partners. Within 72 hours, you may receive offers for many types of business funding, from flexible lines of credit to equipment financing. Applying is free, and there's no obligation to accept an offer.

Because Lendio works with multiple partners, you may find funding even if you face lending challenges such as a low credit score, a short time in business, or low revenues. Also, we appreciate that Lendio offers more details regarding its partner loan products than does BusinessLoans.com

How Lendio Is Different From American Express Business Blueprint

Lendio offers more than just lines of credit by also providing borrowers with access to term loans, merchant cash advances, short-term loans, SBA loans, and equipment financing.

Lendio also has high borrowing limits up to $5 million for some of its products. While some funding products may take a while to disburse (we’re looking at you, SBA loans), you can generally receive approval for a line of credit comparable to Amex Business Blueprint in just one to two days. Some lenders even offer same-day funding.

Lendio Rates & Fees

With the wide variety of loan types on offer from Lendio’s numerous partner lenders, there is no single set of rates that Lendio borrowers will pay. However, regarding Lendio’s lines of credit (the most relevant point of comparison to Kabbage/Amex Business Blueprint), here are some general guidelines:

Borrowing Amount: $1,000-$500,000
Term Length: 6-24 months
Interest Rates: 8-60%

Note that Lendio does not charge a fee for submitting an application.

Lendio Eligibility Requirements

Lendio works with over 75 partner lenders, ranging from startup business lenders to banks and SBA lenders. Accordingly, your business does not have to meet any specific eligibility requirements to qualify for this service.

For business lines of credit, most of Lendio’s partner lenders require a minimum credit score of 600. However, other options may be available if you don’t meet this minimum requirement.

Choose Lendio If...

You want to fill out one application and receive multiple business loan offers to compare
You want a business line of credit that will disburse funds to you in 1-2 days

Get Started With Lendio

OnDeck: Best For Established Businesses With Lower Credit Scores

OnDeck

Total Rating	3.9
Rates & Fees4.6
Services2.9
Eligibility Requirements3.8
Application4.5
Sales & Advertising Transparency3.8
Customer Service4.1
User Reviews4.0

Pros

Borrower qualifications are lower than with banks
Lower costs for repeat customers
Funds are disbursed quickly

Cons

Financing isn’t available in some states
Rates can be expensive

Why We Chose OnDeck For Established Businesses With Lower Credit Scores

OnDeck is an Amex Business Blueprint/Kabbage alternative that offers two types of funding: lines of credit up to $100,000 and term loans up to $250,000. As long as you meet the time in business and revenue requirements, you could qualify for an OnDeck loan or line of credit with a credit score as low as 625.

Similar to Amex Business Blueprint, OnDeck also offers fast application approvals and funding, with same-day funding available for some borrowers. Given these facts, including OnDeck in this list was an easy decision.

How OnDeck Is Different From American Express Business Blueprint

In addition to LOCs similar to Amex Business Blueprint/Kabbage, OnDeck also offers term loans. Lines of credit are only available up to $100,000 from OnDeck, which falls short of Amex’s $250K limit.

However, borrowers can receive up to $250K with OnDeck’s term loans.

OnDeck Rates & Fees

Here are the stats concerning OnDeck’s lines of credit:

Borrowing Amount: $6,000-$100,000
Term Length: 12, 18, or 24 months
Interest Rates: Average rate for LOCs is 55.9%, according to OnDeck

Some applicants may qualify for same-day funding. Others will have to wait 2-3 business days.

OnDeck Eligibility Requirements

Time In Business: 1 year
Credit Score: 625
Business Revenue: $100,000/year

Choose OnDeck If...

You have significant annual business revenue but an average credit score
You want fast (potentially same-day) funding

Get Started With OnDeck

Funding Circle: Best For Longer Repayment Terms

Funding Circle

Get Started With Funding Circle

Total Rating	4.2
Rates & Fees4.6
Services4.0
Eligibility Requirements3.8
Application4.3
Sales & Advertising Transparency4.8
Customer Service4.5
User Reviews3.2

Pros

High borrowing amounts
Monthly repayments
No prepayment penalty

Cons

Borrower qualifications may be hard to meet
Financing isn’t available in some states

Why We Chose Funding Circle For Longer Repayment Terms

Funding Circle is an Amex Business Blueprint/Kabbage alternative that offers a variety of financial products, including lines of credit, Small Business Administration (SBA) 7(a) loans, and term loans.

Depending on the product you select, you could receive as much as $500,000. In addition to higher borrowing limits and longer repayment terms, you may also score better rates than you'd find with American Express Business Blueprint.

How Funding Circle Is Different From American Express Business Blueprint

Funding Circle is different from Amex Business Blueprint because it offers SBA loans and term loans in addition to lines of credit.

Funding Circle offers higher borrowing limits of $500,000 with low rates and longer repayment terms.

Funding Circle Rates & Fees

Here are the details on Funding Circle’s lines of credit:

Borrowing Amount: $5,000-$250,000
Term Length: Not specified
Interest Rates: Not specified

Funding Circle states that drawing from your credit line will incur an average draw fee of 1.6% and that late payments will incur an average fee of 5% of the past due amount.

If you’re approved for a term loan or line of credit, you should get funding in 2-3 days. SBA loans take longer to disburse.

Funding Circle’s term loans have term lengths from six months to seven years. Term lengths for LOCs are not disclosed.

Funding Circle Eligibility Requirements

Time In Business: 2 years
Credit Score: 660
Business Revenue: $50,000/year

Choose Funding Circle If...

You run a mature business, you have good credit, and you want an LOC with a competitive APR
You’re looking for a reputable provider of SBA 7(a) loans

Fundbox: Best For Fast Approvals

Fundbox

Total Rating	3.8
Rates & Fees3.1
Services3.6
Eligibility Requirements4.5
Application4.8
Sales & Advertising Transparency3.8
Customer Service3.0
User Reviews4.4

Pros

Discounts for repaying early
Fast, easy application process
Funds are disbursed quickly

Cons

Rates can be expensive
Repayments are required frequently

Why We Chose Fundbox For Fast Approvals

Fundbox is an Amex Business Blueprint alternative that offers easy approvals and quick turnaround times for its lines of credit, making it ideal for businesses that need fast access to capital.

The process is fully automated, so you can get approved for a line of credit of up to $150,000 in as little as three minutes. Terms are short, though -- the maximum term is just 24 weeks. Payments must be made weekly.

Similar to Amex Business Blueprint/Kabbage, Fundbox has relaxed borrower requirements, making it easier for new businesses and applicants with subprime credit scores to get funded.

How Fundbox Is Different From American Express Business Blueprint

Fundbox has lower borrowing requirements than Amex, only requiring borrowers to have a credit score of 600. Otherwise, its business lines of credit are very similar to Amex’s product.

Fundbox Rates & Fees

Here are some details on Fundbox’s lines of credit:

Borrowing Amount: $1,000-$150,000
Term Length: 12 or 24 weeks
Interest Rate: Starts at 4.66%

Fundbox Eligibility Requirements

Time In Business: 6+ months
Credit Score: 600+
Business Revenue: $100,000/year

Choose Fundbox If...

You want a line of credit quickly and you don’t mind making weekly repayments
You have a credit score of 600 and are having difficulties qualifying for funding elsewhere

Get Started With Fundbox

Bluevine: Best For Quick Funding

Bluevine

Get Started With Bluevine

Total Rating	3.7
Rates & Fees3.8
Services3.6
Eligibility Requirements3.6
Application4.5
Sales & Advertising Transparency3.4
Customer Service3.4
User Reviews3.4

Pros

Low credit score qualifications
The application is fast and easy
Funds get disbursed quickly

Cons

Financing isn’t available in some states
Repayments are required quickly

Why We Chose Bluevine For Quick Funding

Bluevine is an American Express Business Blueprint competitor that offers lines of credit and term loans. In addition to having rates similar to Amex's Business Lines Of Credit, what stands out about Bluevine is its fast turnaround times for funding.

In most cases, you can have funds in as little as 24 hours. If you want your funds in just a few hours, Bluevine offers a wire transfer option for an extra $15. With this kind of speed, including Bluevine in our list of top Amex Business Blueprint competitors was the obvious move.

How Bluevine Is Different From American Express Business Blueprint

There are few differences between Bluevine and American Express Business Blueprint. Both offer lines of credit up to $250,000. However, Amex does have a slight edge as it has repayment terms of 6, 12, or 18 months compared to Bluevine’s terms of 6 or 12 months.

Borrowers that would rather receive a lump sum can apply for a Bluevine term loan up to $250,000 with repayment terms up to 24 months. American Express Business Blueprint does not offer a comparable term loan.

Bluevine Rates & Fees

Here are some details on Bluevine’s lines of credit:

Borrowing Amount: Up to $250,000
Term Length: 6 or 12 months
Interest Rate: Starts at 7.8%

Bluevine Eligibility Requirements

Time In Business: 24+ months
Credit Score: 625+
Business Revenue: $10K/month

Bluevine states that it does not offer lines of credit in Nevada, North Dakota, or South Dakota. Also, sole proprietorships and general partnerships do not qualify for Bluevine funding.

Choose Bluevine If...

Your business is a corporation or LLC and you want funding as quickly as possible
You want to choose between a line of credit of term loan

LoanBuilder: Best For Customizable Loans

LoanBuilder

Get Started With LoanBuilder

Total Rating	3.5
Rates & Fees4.1
Services2.9
Eligibility Requirements3.4
Application3.8
Sales & Advertising Transparency3.8
Customer Service2.8
User Reviews4.1

Pros

Borrower qualifications are lower than banks
Funds get disbursed quickly
No extra fees

Cons

No discounts for early repayment
A blanket lien is required

Why We Chose LoanBuilder For Best Customizable Loans

LoanBuilder is a Kabbage alternative that offers an easy application, fast approvals, and relaxed credit requirements, similar to its competitor.

However, LoanBuilder does not offer a line of credit. Instead, you can receive a customizable short-term loan. Choose from terms of up to 52 weeks and receive a loan of up to $150,000 (capped at $100,000 for first-time borrowers). If preapproved, you can adjust the term and borrowing amount to best fit the needs of your business.

Get final approval, and you can get your business funds by the next business day.

How LoanBuilder Is Different From American Express Business Blueprint

Instead of business lines of credit, LoanBuilder offers short-term loans.

LoanBuilder Rates & Fees

Here are the details regarding LoanBuilder’s loans:

Borrowing Amount: Up to $150,000 ($100,000 for first-time borrowers)
Term Length: 17 to 52 weeks
Interest Rate: One-time fee from 2.9% to 18.72% charged

LoanBuilder Eligibility Requirements

Time In Business: 9 months
Credit Score: Undisclosed
Business Revenue: $33,300/year

While the minimum credit score requirements were previously 620, LoanBuilder no longer discloses a minimum score.

Choose LoanBuilder If...

You want a short-term business loan in which you can customize the term length

Accion: Best For Underserved Small Businesses

Accion

Total Rating	3.8
Rates & Fees5.0
Services2.1
Eligibility Requirements4.1
Application3.5
Sales & Advertising Transparency4.8
Customer Service3.9
User Reviews3.2

Pros

Borrower qualifications are lower than banks
Monthly repayments
Customer service is helpful

Cons

Some additional fees charged
Rates can be expensive

Why We Chose Accion For Underserved Businesses

Accion Opportunity Fund is a Kabbage competitor that specifically targets underserved businesses, including those owned by women and minorities. However, anyone can apply for Accion's small business loans, provided they meet credit, revenue, and time in business requirements.

Being a nonprofit, Accion's requirements are far lower than banks, and even startups or business owners with lower credit scores may qualify for funding. While the application and approval process are quite extensive, the lower rates and longer repayment terms are a good trade-off.

How Accion Is Different From Amex Business Blueprint

While Accion does not offer lines of credit like Business Blueprint, it does provide term loans that are accessible to underserved borrowers.

Accion Rates & Fees

Here’s the skinny on Accion’s term loans:

Borrowing Amount: $5,000-$250,000
Term Length: 12, 24, 36, or 60 months
Interest Rate: 8.49%-24.99%

Accion Eligibility Requirements

Time In Business: 12 months
Credit Score: Varies (low scores are generally accepted)
Business Revenue: $50,000/year

Choose Accion If...

You are a female and/or POC business owner seeking a business loan that doesn’t require a good credit score

Get Started With Accion

Business Loan & Funding Products Review Methodology

We spend hours researching and evaluating each business loan and funding product that we review at Merchant Maverick, placing special emphasis on key characteristics to generate our ratings.

Weighted Rating Breakdown

Rates & Fees 20%

Services 20%

Eligibility Requirements 20%

Application 15%

Sales & Advertising Transparency 10%

Customer Service 10%

User Reviews 5%

When rating lenders and funding providers, we use a 31-point rubric that looks at rates and fees, services, eligibility requirements, application, sales and advertising transparency, customer service, and user reviews. We weigh each section differently to calculate the total star rating. This rubric is applied to traditional term loans, as well as short-term loans, start-up loans, lines of credit, online lending products, merchant cash advances, and equipment financing products.

Rates & Fees: 20% of the total star rating
Services: 20% of the total star rating
Eligibility Requirements: 20% of the total star rating
Application: 15% of the total star rating
Sales & Advertising Transparency: 10% of the total star rating
Customer Support: 5% of the total star rating
User Reviews: 5% of the total star rating

Each section is further broken down into granular, weighted subsections, in which we examine specific attributes like terms lengths, conditions of repayment, credit score and revenue requirements, ease of application, length of time to funding, the ethics involved in promoting the lending product, customer support, and the overall reputation of the lender or funding provider.

Read more about how we rate small business lenders.

The Bottom Line On The Best American Express Business Blueprint Competitors (a.k.a. Kabbage Alternatives)

We hope this rundown of our top Amex Business Line Of Credit competitors has helped you in your search for business funding. None of these lenders will suit every business owner, but with the variety of options presented, there should be a few that fit your unique business circumstances.

It’s not easy to get a business loan, but it’s worth it to keep applying. If you’ve never taken out a business loan before, learning how small business loans work can help you understand which type of loan to pursue in the first place. If you have a comprehensive understanding of how to get a small business loan, the application process will be that much easier.

If you don’t succeed on your first try, don’t fret! If your credit score is holding you back, business loans for bad credit are offered by numerous lenders. If you have good credit and wish to pursue an SBA loan, knowing the best SBA lenders will help you get started.

Finally, if you’re looking for tips on repaying your business loan, we can help with that as well.

Bio
LinkedIn
Latest Posts

Erica Seppala

Editor & Senior Staff Writer at Merchant Maverick

Erica began writing on small business topics in 2008. She joined Merchant Maverick in 2018 and focuses on loans, accounting, and POS. She is a Certified ProAdvisor for QuickBooks Online and QuickBooks Payroll. She has been cited in MSN, Reader's Digest, Vox, U.S. News & World Report, and Real Simple. She is a graduate of Limestone University and resides in Greenville, South Carolina.

View Erica Seppala's professional experience on LinkedIn.

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1. BusinessLoans.com

❮ ❯

Best Kabbage alternative for loan variety
Lines of credit, term loans, MCAs, short-term loans
No credit score requirement

2. Lendio

❮ ❯

Best Kabbage alternative for comparing loan offers
Lines of credit, term loans, SBA loans, equipment financing, MCAs, short-term loans, credit cards
No credit score requirement

3. OnDeck

❮ ❯

Best Kabbage alternative for established businesses with lower credit scores
Lines of credit and term loans
Credit score: 625+

4. Funding Circle

❮ ❯

Best Kabbage alternative for longer repayment terms
Lines of credit, term loans, SBA loans
Credit score: 660+

5. Fundbox

❮ ❯

Best Kabbage alternative for fast approvals
Lines of credit
Credit score: 600+

6. Bluevine

❮ ❯

Best Kabbage alternative for quick funding
Lines of credit and term loans
Credit score: 625+

7. LoanBuilder

❮ ❯

Best Kabbage alternative for customizable loans
Short-term business loans
Credit score: 620+

8. Accion

❮ ❯

Best Kabbage alternative for underserved small businesses
Term loans
Required credit score varies by location