Lender Comparison · Working Capital
Inflection Financing vs Kabbage (American Express Business Blueprint)
Kabbage is now Amex; loans capped at $250K. Inflection Financing handles the full capital stack.
TL;DR
Kabbage works for small revolving needs. For real growth capital, you need a lender that goes past $250K.
| Feature | Kabbage (American Express Business Blueprint) | Inflection Financing |
|---|---|---|
| Max loan amount | $250K LOC | $5M SBA 7(a) · $15M CRE · $5M bridge |
| Time to funding | Minutes (LOC) | 12 hours (bridge) · 21–45 days (SBA) |
| Rate range | Monthly fees ≈ 24%–99% APR | Prime + 2.25% (SBA) · 9.9% (term) |
| Broker fees | None (direct) | $0 — bank-direct |
| SBA Preferred Lender | No | Yes — Inflection Financing |
| Direct lender | Marketplace / broker | Yes — institutional lender |
Where Kabbage (American Express Business Blueprint) wins
- →Integrated with Amex banking
- →Fast LOC decisions
Where Inflection Financing wins
- →Direct SBA 7(a) up to $5M
- →CRE up to $15M, bridge up to $5M
- →Transparent rate disclosures — no fee-as-APR games
What to watch with Kabbage (American Express Business Blueprint)
- →Max line $250K
- →No SBA 7(a) or 504
- →No CRE, equipment, or bridge financing
- →Monthly fee structure obscures true APR
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