Which is easier to qualify for, Fundbox or Kabbage?

It depends on your profile. Fundbox accepts businesses as young as 6 months with 600 credit scores but requires $100K in revenue. Kabbage requires 1 year in business and 640 credit scores but only needs $36K in revenue. Newer higher-revenue businesses fit Fundbox. Older smaller businesses fit Kabbage.

← What is a Merchant Cash Advance (MCA)? The Complete Guide

Fundbox vs Kabbage (Amex Business Blueprint) 2026: Which Line of Credit Wins?

Q: Do either charge prepayment penalties?

No. Both Fundbox and Kabbage stop charging fees once your balance is paid off, with no early-payoff penalty. Paying off draws quickly is one of the best ways to reduce total cost on either product.

Fundbox vs Kabbage compared on credit limits, fees, draw flexibility, and qualification. Find the right business line of credit for your situation in 2026.

By Bar Alezrah7 min readPublished April 14, 2026 · Updated April 14, 2026

Key Takeaways

Fundbox is cheaper for short draws. $25K over 12 weeks costs about $1,650 at Fundbox vs $3,375 at Kabbage.
Kabbage has higher credit limits: up to $250K vs Fundbox's $150K cap.
Fundbox easier for newer businesses: 6 months in business vs Kabbage's 1 year.
Kabbage easier for smaller businesses: $36K revenue minimum vs Fundbox's $100K.
Neither has prepayment penalties. Fast payoff reduces total cost on both.

Fundbox and Kabbage (now American Express Business Blueprint) are the two most popular online business lines of credit. Both give you flexible access to capital without committing to a lump-sum loan. But they price fees differently, have different credit limits, and fit different business profiles.

This comparison shows you exactly which one saves you money and which is easier to qualify for.

Quick Verdict

Choose Fundbox if you want the fastest approval, the lowest revenue threshold, and weekly fees that stop accruing once the balance is paid. Best for newer businesses and invoice-financing situations.

Choose Kabbage if you are already an American Express Business customer, want higher credit limits (up to $250K), and prefer monthly billing over weekly.

Side-by-Side Comparison

| | Fundbox | Kabbage / Amex Blueprint | |---|---|---| | Credit limit | $1,000 to $150,000 | $1,000 to $250,000 | | Fee structure | 4.66% to 8.99% per week on outstanding | 2% to 9% monthly fee | | Repayment term | 12 or 24 weeks per draw | 6, 12, or 18 months per draw | | Minimum credit score | 600 | 640 | | Minimum annual revenue | $100,000 | $36,000 | | Minimum time in business | 6 months | 1 year | | Funding speed | Same day | Same day for existing Amex customers | | Prepayment penalty | None | None |

Cost Comparison

On a $25,000 draw repaid over 12 weeks:

Fundbox at 5.5% weekly: approximately $1,650 in fees
Kabbage at 4.5% monthly (3 months): approximately $3,375 in fees

On the same $25,000 repaid over 24 weeks (6 months):

Fundbox at 5.5% weekly: approximately $3,300 in fees
Kabbage at 4.5% monthly: approximately $6,750 in fees

Fundbox is typically cheaper on short draws, but fees scale up fast if you carry the balance. Kabbage's monthly fees can be higher early on but often decline in later months.

Both products reward fast payoff. If you can clear your draw in 2 to 3 months, Fundbox usually wins.

Qualification Requirements

This is where the two diverge significantly.

Fundbox is easier to qualify for if you are a newer business:

6 months in business (vs Kabbage's 1 year)
600 credit score (vs Kabbage's 640)
$100,000 revenue (higher than Kabbage's $36K)

Kabbage is easier to qualify for if you are a smaller business:

$36,000 annual revenue (vs Fundbox's $100K)
But requires 1 year in business

If you are a 7-month-old business doing $80K in revenue, neither fits perfectly. If you are a 2-year-old business doing $50K in revenue, Kabbage is your only option. If you are a 7-month-old business doing $150K in revenue, Fundbox is your only option.

Funding Speed

Fundbox funds most approved draws the same day or next business day. The application takes about 3 minutes, and decisions typically arrive within a few hours.

Kabbage funds same day for existing American Express Business customers because Amex already has your banking data. New applicants go through a more standard verification that takes 1 to 2 business days.

Winner: Fundbox for new applicants. Kabbage for existing Amex customers.

Draw Flexibility

Both are revolving lines of credit. You can draw, repay, and redraw within your approved limit.

Fundbox limits each draw to either 12 or 24 weeks. You cannot stretch repayment longer.

Kabbage offers 6, 12, or 18 month repayment terms per draw, giving you more flexibility for larger purchases that need a longer payoff window.

Winner: Kabbage for longer-term draw flexibility.

Best for Your Situation

Fundbox is better for:

Newer businesses (6 to 12 months old)
Short-term cash flow gaps (12 week draws)
Invoice financing situations
Borrowers with 600 to 639 credit scores

Kabbage is better for:

Smaller businesses ($36K to $100K revenue)
Longer-term draws (6 to 18 month repayment)
Existing American Express customers
Higher credit limit needs (up to $250K)

Frequently Asked Questions

Is Fundbox or Kabbage cheaper?

For short draws (under 3 months), Fundbox is typically cheaper. On a $25,000 draw over 12 weeks, Fundbox costs about $1,650 versus roughly $3,375 at Kabbage.

Can I have both Fundbox and Kabbage?

Yes, but your total outstanding debt is reviewed for underwriting. Having one open line reduces your approved limit on the other.

Which is easier to qualify for?

Depends on your profile. Fundbox accepts businesses as young as 6 months with 600 credit scores but requires $100K revenue. Kabbage requires 1 year and 640 credit but only $36K revenue.

Do either charge prepayment penalties?

No. Both stop charging fees once your balance is paid off, with no early-payoff penalty.

Disclaimer: The MCA Guide provides free educational content about merchant cash advances. We are not a lender, broker, or financial advisor. This content is for informational purposes only and does not constitute financial, legal, or tax advice. Some links may be affiliate links. Always consult a qualified professional before making business financing decisions.