Visit the American Express Website

As of my last update in January 2022, Kabbage, a fintech company that provided small business loans and lines of credit, was acquired by American Express. However, Kabbage’s lending operations have been integrated into American Express’s suite of financial products and services.

To apply for a small business loan or line of credit through American Express (formerly Kabbage), you can follow these general steps:

1. **Visit the American Express Website:**
Go to the American Express website and navigate to the business loans or small business financing section.

2. **Explore Loan Options:**
Review the various loan products and financing options offered by American Express to determine which best suits your business needs. This may include term loans, lines of credit, or other financing solutions.

3. **Check Eligibility Requirements:**
Make sure you meet the eligibility criteria for the loan product you’re interested in. Eligibility requirements may include factors such as business revenue, credit history, time in business, and other financial metrics.

4. **Submit Application:**
Complete the online application form with accurate and up-to-date information about your business, financial history, and loan requirements. You may need to provide documentation to support your application, such as bank statements, tax returns, and business financials.

5. **Review Terms and Conditions:**
Carefully review the terms and conditions of the loan offer, including interest rates, fees, repayment terms, and any other relevant terms. Make sure you understand the cost of borrowing and how the loan will impact your business finances.

6. **Accept Loan Offer:**
If you’re approved for a loan, carefully review the loan offer and accept the terms if they meet your needs and expectations. Once you accept the offer, you may need to sign a loan agreement or other legal documents to finalize the loan.

7. **Receive Funding:**
Upon acceptance of the loan offer and completion of any necessary documentation, you’ll receive the funds in your business bank account. The timing of funding may vary depending on the loan product and processing times.

8. **Manage Repayments:**
Make timely payments according to the terms of the loan agreement to avoid late fees and maintain a positive credit history. You can typically manage your loan account and make payments online through the American Express website or mobile app.

It’s important to note that the specific application process and requirements may vary depending on the loan product and lender. Be sure to read the instructions carefully and reach out to American Express customer service if you have any questions or need assistance with the application process.

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