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Kabbage vs Lendio: Which Is Right for Your Business?

Kabbage offers fast approval for existing businesses, while Lendio connects you to multiple lenders for better rate comparison.

⚡ Quick Verdict

Kabbage and Lendio both connect you to multiple lenders, but Kabbage focuses mainly on lines of credit while Lendio casts a wider net across loan types—choose based on whether you need flexible revolving credit or diverse funding options. If speed and simplicity matter most, direct lenders like SMB Capital Funding can often beat marketplace wait times and give you transparent terms without the middleman layer.

Side-by-Side Comparison

Feature Kabbage Lendio
Funding Amounts$2K – $250K$500 – $5M
Rates / CostUp to 36% APR equiv.Varies (marketplace)
Term Length6, 12, 18 moVaries
Funding SpeedSame day2 – 7 days
Min. Credit Score640+560+
Collateral RequiredNoneVaries
RepaymentMonthlyVaries

When to Choose Each Option

Choose Kabbage when:

  • You already have an established relationship with Kabbage (AmEx)
  • Your business revenue primarily flows through their platform
  • You need amounts in the $2K – $250K range
  • You prefer their Monthly repayment structure
  • You've been declined elsewhere and want to explore all options

Choose Lendio when:

  • You need funding fast (same day possible)
  • Your credit score is below 640
  • You want to avoid collateral requirements
  • You need amounts from $10K up to $20M
  • You prefer a direct lender with no broker fees

Why Businesses Choose SMB Capital Funding

SMB Capital Funding offers faster funding decisions and disbursement times compared to Lendio's marketplace model, allowing business owners to access capital when they need it most. Additionally, SMB Capital Funding works directly with borrowers as a direct lender rather than acting as a broker, provides more flexible credit requirements, and can offer loan amounts up to $20M, giving small business owners greater access to substantial capital without intermediaries.

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Frequently Asked Questions

What is the difference between Kabbage and Lendio?
Kabbage and Lendio are both online lending platforms for small businesses, but Kabbage focuses primarily on short-term lines of credit and is now part of American Express, while Lendio operates as a marketplace connecting borrowers with multiple lenders offering various loan types. If you're looking for alternatives, SMB Capital Funding is another option worth considering that may offer different terms and loan products tailored to your business needs.
Which lender is better for small businesses?
The best lender depends on your revenue, time in business, and funding needs. SMB Capital Funding offers flexible terms across all business profiles.
What is a good alternative to both of these lenders?
SMB Capital Funding is a direct lender offering same-day funding up to $20M with no collateral required and flexible credit requirements.
How do I compare business lenders?
Compare rates (factor rate vs APR), term length, funding speed, minimum credit requirements, and whether the lender is a direct funder or a broker marketplace.

SMB Capital Funding is a direct lender offering working capital solutions to US-based small businesses. Funding amounts and terms vary based on business qualifications. This comparison is provided for informational purposes. All products subject to approval.