“Kabbage” hasn’t existed as a consumer-facing brand since February 1, 2023 — American Express acquired it in 2020 and fully retired the name, relaunching the product inside American Express® Business Blueprint™. If you’re comparing “Kabbage” against alternatives, you’re actually comparing Amex Business Blueprint’s current terms. Here’s what that product offers today, and how REIL Capital’s financing options compare.
What Happened to Kabbage
Former “Kabbage Funding” is now the American Express® Business Line of Credit, one component of Business Blueprint (which also includes Business Checking and a cash-flow tool called MyInsights). The line of credit runs $2,000–$250,000 (larger lines possible case-by-case), with eligibility requiring a 660+ FICO score at application, a business started at least 1 year ago, $3,000+ in average monthly revenue, and an applicant 18 or older.
Pricing is a monthly-fee structure, not a traditional APR: total loan fee by term runs 3.00%–9.00% for 6 months, 6.00%–18.00% for 12 months, 9.00%–27.00% for 18 months, and 12.00%–18.00% for 24 months of the amount borrowed — equivalently about 0.55%–1.55% per month of original principal. Funding is standard ACH in 1–3 business days, or near-instant if the destination is an Amex Business Checking account.
Amex Business Blueprint (formerly Kabbage) vs. REIL Capital, Side by Side
| Factor | Amex Business Blueprint | REIL Capital |
|---|---|---|
| Line of credit size | $2,000–$250,000 (larger case-by-case) | Varies by borrower profile |
| Pricing structure | Monthly fee by term: 3%-9% (6mo) up to 12%-18% (24mo) of amount borrowed | Not a fixed published rate — priced per applicant |
| Eligibility | 660+ FICO, 1+ year in business, $3,000+ average monthly revenue | Multiple products span different credit and revenue profiles |
| Product scope | Line of credit, business checking, cash-flow tool (bundled as Business Blueprint) | Lines of credit, invoice financing, SBA loans, revenue-based financing, and more |
| Funding speed | Standard ACH 1-3 business days; near-instant only to an Amex Business Checking account | Varies by product — ask about timelines for your specific financing type |
When Amex Business Blueprint Might Be the Right Fit
If your business clears the 660+ credit / 1+ year / $3,000+ monthly revenue bar and you want a line of credit bundled with business checking and cash-flow tools under one Amex-backed product, Business Blueprint is a legitimate, well-capitalized option — particularly if you already bank with Amex, since near-instant funding requires an Amex Business Checking account.
When REIL Capital Makes More Sense
If you need a financing type beyond a line of credit — invoice financing, SBA loans, or revenue-based financing — or your business doesn’t fit the 1+ year / $3,000+ monthly revenue bar, REIL Capital’s product range spans businesses at different stages, not a single fixed eligibility bar.
Frequently Asked Questions
Is Kabbage still around in 2026?
Not under that name. American Express acquired Kabbage in 2020 and retired the brand on February 1, 2023, relaunching the line of credit as part of American Express® Business Blueprint™.
How much can I borrow through Amex Business Blueprint?
The line of credit runs $2,000–$250,000, with larger lines possible on a case-by-case basis.
How is Amex Business Blueprint priced?
As a monthly fee by term rather than a traditional APR — for example, 3.00%–9.00% of the amount borrowed for a 6-month term, rising to 12.00%–18.00% for a 24-month term.
Does REIL Capital offer the same financing types as Amex Business Blueprint?
REIL Capital’s line of credit is one of several product types available, alongside invoice financing, SBA loans, and revenue-based financing — a broader range than Business Blueprint’s single line-of-credit product.
Explore Your Options With REIL Capital
See REIL Capital’s business line of credit, or call our team at 646-440-4100 to talk through your options.
