Amex Business Blueprint™ Reviews

by Lapdjas

I had a Kabbage line of credit for two years which I used when needed to fill shortfalls, and fuel growth. When Covid hit, I had no reason to draw down any funds but felt secure because I had access to a line of credit I could pull from if needed. To my surprise and disappointment... I logged in one day to review an upcoming payment and noticed my available credit showed zero. Kabbage had decided to stop lending, and did not announce it to anyone who already had an existing line! Yep, that’s right... poof gone! The line of credit I had relied on vanished into thin air... even though I had never missed a payment and was only carrying a small balance. Once I noticed I immediately paid off the balance, and will NEVER use Kabbage again! My company works with over 200 small businesses in the bookkeeping and accounting space... I would regularly recommend Kabbage to my clients as a great tool to have in their toolkit... Kabbage will never get another recommendation from us, and I will actively discourage clients from using Kabbage in the future. Unbelievable.

by Kkkkking

Never again. My small business took out a small loan, paid it back in six months, never a day late. We are purchasing a building now and the SBA says we have a lien on our business! We are about to close, so this is a huge issue. Come to find out, Kabbage placed a lien just days after we opened the loan. They said they do that for all loans and then remove it when paid, but OOPS, they forgot to remove mine. I never would have known had it not been for a Search by the SBA! They don’t put their name on the lien, so it took some digging to get to the end of it. Like I have time for this! What a mistake that tiny loan was and also paid $1000 in interest for six months on only 10,000. What a major rip off!!!!!!

by ThisisJunk811

The lines of credit are much smaller than you’d initially think. And if you’re thinking that over time they’ll increase your line of credit with good repayment that’s also a pipe dream. We paid off our line months early and in full then Kabbage decreased our line of credit more than seven times less than what it was initially. The income generated by the business didn’t change. No reason to do it and never tried to offer any good explanation. Couldn’t even talk to the person that made the decision to get an explanation.

by Datboybook

My experience was like a lot of others.. had a small line of credit. Small business starting out, never missed a payment. Paid in full when the pandemic hit. They took the line of credit back.. no explanation. Figured hey, tuff times for everyone but now a year and more later…. Nothing, looks like they even switched to another company or something but nothing for the ones that stuck it out with the company. Really was a waste of time.

by Zathius

I used kabbage a couple times when I had a couple challenges with credit, but now that my credit is good and my business has grown my credit cards on average offer 3x the credit, miles/rewards, opportunities to pay off without interest, and better apr if I don’t pay it off right away. Kabbage is good for a tough spot when you have too, IF you know you already have the income ahead of you to pay it, but it can be a nightmare interest trap for fledgling businesses that don’t know the hole they could be digging for themselves.

by AJI1988

I open an account with kabbage and i couldn't add my paypal or ebay they told me someone else had my personal paypal account in their account (im a single person and only people living in my house are kids and they dont have my paypal/ebay password) so they told me they were gonna review this like 3-4 days ago and call me back well i never got that call and this morning i decide to call and they told me the closed my account and when i asked about my paypal they told me they didnt find another account with my paypal/ebay account .... then he told me i cant open an account anymore (no reason)

by Tnrchrds2

Their checking account software is very buggy. Not their apps necessarily but their source software. I have made 2 mobile deposits weeks apart that show up on the account as pending for a day or two and then disappear. No messages but disappear. I called on both and they said they can’t see them on their end either. They suggested I try again which I did with the same result. That’s pretty scary. There’s no way I can use them for my business checking account.

by Kevin2814

I applied for the PPP Loan through Kabbage, was approved and instructed to verify my bank account once Kabbage made two “micro transactions” well that was over a week ago and still no transactions to verify. I’ve called the customer service number 36 times and just keep being hung up on and no one answers. I’ve emailed their customer service over a dozen times, still silence no reply!!! I’ve even DM’d them on Facebook and Twitter multiple times and still have gotten ZERO RESPONSE!! They can email me that my loan will be removed if I don’t verify the account but there is NO WAY for me to verify it!!! This is a total scam of a company that feels like they’re stealing from those of us that need help during this pandemic!! DO NOT USE KABBAGE FOR ANYTHING!!! 🤬🤬🤬🤬🤬🤬🤬🤬if I could I’d give them Negative 5 stars!!

by 78smith

Most of the process of setting up the account was without issue except needing multiple documents during the setup. I received my first checks from a client and tried to use the mobile app check deposit and error after error even after following all of the instructions with the check being on a dark background and endorsed the way they prompt the user to on the back. Beyond frustrating issue trying to put money into the account. Front of the check is never accepted is but the back is always automatically accepted. I tried calling and they basically just told me to keep trying. Definitely not a good start.

by StormDecisions

Kabbage claims they are "supporting" everyone in regions impacted by Hurricane Harvey and Hurricane Irma. Instead, they have chosen to all but eliminate the credit lines of business owners in these regions. Their actions as a company speak so much louder than their words.

As Kabbage customer for over two years, I have a solid payment track record and millions in revenue. I'm shocked at their decision to virtually eliminate my line of credit.

These regional decisions were made without reviewing ANY financial information. My businesses were closed for two days, didn't sustain any damage and the only significant issue we had to work around was loss of internet service. This impact is comparable to a snow storm in the north during the winter. According to the manager I spoke with they are NOT adjusting credit lines on a case by case basis as they've publicly stated.

by Lucasan

First off, I love Kabbage Checking. My only nitpick is that the transfer time to and from a funding source takes way too long.
AmexBusinessBlueprint is mostly great, simple, straightforward and easy to navigate. Several times I’ve had to delete and re-install AmexBusinessBlueprint because I get a “could not lg in at this time, please try again later.” This is a big drag. I never have to do this with any of my other finance apps and it definitely diminishes the user experience. Fix this and it will be pretty nearly perfect

by Xvcrkkk

I have been using Kabbage since 2015, withdrawal money many times and always paid in time. When COVID-19 hit, they were the very first and only lending company that blocked my borrowing privileges. Just like that they were gone. It’s been now 7 months and no update on the account. I am sure they will reply to this review saying “we are sorry and that we are reviewing all the accounts, and trying to restore borrowing privileges for small businesses”. But, the reality is that they are not. I will never refer nor use Kabbage again. If you need working capital for your small business, I recommend you to work with PayPal Working Capital, PayPal Loans, Kapitus, Fundbox or any other reliable company. Kabbage is not one of them.

by Jazmine & Stevhan

This is what I call “thinking outside the box”. Owner and operator of a family owned landscaping company in Boston, Mass winters here can be brutal, being a seasonal company so we teamed up with Kabbage to give us piece of mind and its the #1 company I’ve ever worked with.
Not only offering money on a daily basis but wiring the funds either same day or next day based upon what you bring into your bank account. It’s a breath of fresh air to know you have a nest egg to sit on at your convenience.

Thank you.

by Papifidel😈

If you are looking for a lender this is it right here Kabbage has been very good to our small business! I fee like they understand real life people and situations the ups and downs of life! They are always there for you as long as you pay them back they will keep helping you! Forget the credit cards or expensive loans with outrages interest rates! Kabbage will tell you upfront how much they will charge you and how much are your payments everything without holding back makes it a very understandable for everyone! Love it!!!❤️❤️❤️💯💯

by Janexxus

I really can’t say enough good things about this business. Clear, transparent lines of credit that takes care of the thousands of things small Business owners have fall on their laps a day. Been a customer for over a year and I’m very happy !

by 108158

Amazing. Not only is it super modern, simple and streamlined for a young entrepreneur like myself, but it also gave me a chance when no one else would. I’m just starting out and have less than ideal credit, so I was pleasantly surprised when I got the email saying that I had available funds. I love the fact that they were able to go based off of my business stats rather than just my credit alone. They’ve really played a big role in helping me jumpstart my new business.

by Katiuska Hair Gallery

Kabbage very efficient and the whole process was stress free. The fact that everything can be done online is what I love most. I will definitely recommend a friend,
Their loan processing is simply amazing, fast and simple. Once approved your money will be deposited to your account in no time stress free. The payments are within my budget. I thank God, for Kabbage company for supporting Small Business 🙏🏽

by PhilisBrown

AmexBusinessBlueprint is absolutely trash. It does not update correctly whatsoever (funds are always incorrect). If you dispute a fraud charge they will block your funds, meaning no ATM, not even cash back. This card is TRASH. Only get this card if you desperately need it. American Express I thought highly of your services, can’t wait to withdraw all of my funds and dispose of this trash.

by LuckeBoy$$

This is a great source if you really need the money to float your business through. I only use it in desperate times because the first couple months have a high repayment amount. Which I understand because most people that use this are high risk people from their perspective. Overall, great app, and great company to work with. Funds are deposited quickly. Usually in a day or 2.

by Boattrax

With a great LOC and monthly payback, you will need help. Kabbage has done my small business very well. It comes in handy ore ways than none. It’s simple and easy. It grows when you grow. Don’t get hard loans with crazy daily paybacks. Get Kabbage so you don’t have to stress about the little things your business needs. Love Kabbage and look forward to a very long business relationship with them.

by Toochianno

So far I am very pleased with Kabbage. It’s easy to use AmexBusinessBlueprint and make payments also. My hope for the future is I can get the money even faster and maybe the rates will go down more. I would Love it if you had more promotions to take advantage of also. Thanks, Tony

by Bears 7

Great app for small business loans. Once you’ve been approved for your first loan, Kabbage makes it quick and convenient for subsequent loans to build your business. AmexBusinessBlueprint makes it even more convenient when that business opportunity presents itself on the go. Great company great app!

by MornellS

Of all the loan/wc companies I’ve worked with and there are a few... Kabbage is the best. Wonderful customer service and ease with their website makes for an awesome company. My business has grown and that couldn’t have happened without some help from Kabbage