• Who is Kabbage?

    Kabbage is a leading online provider of business loans. Kabbage has built the world's fastest and easiest platform to provide capital to small businesses, funding companies in minutes. Kabbage leverages data generated by dozens of business operations to understand performance and deliver fast, flexible funding in real time. Kabbage can support any small business by analyzing various data sources that you use every day to run your business. Their process is so successful, we took notice and now Sage Small Business Loan is using it to help fund you.

  • How do I access my locked account?

    If you're having trouble logging onto your account and locked yourself out, don't worry! Send us an email or give us a call, and our dedicated representatives can get you back into your account in just a few moments!

  • How do I apply?

    Creating an account is free and only takes a few minutes. You can submit data from over a dozen different supported accounts you use every day to run your business. Link the channels you want us to consider and you'll know when you finish the application if you've qualified.

  • How do you determine how much cash I can get?

    We look at dozens of factors to determine exactly how much cash to provide. We want to give you enough to grow but not so much you drown. We're looking at things like your seller rating, time in business, transaction volume, and average revenues.

  • How do you charge for the loans?

    The cost structure of our loans is straightforward. We don't charge any interest. Instead, loan fees between 1.5 to 12 percent are assessed. Every month, you’ll pay back 1/6 of the total loan amount (for six-month loans) or 1/12 of the loan amount (for 12-month loans) plus the monthly fee. There are no early payment fees. In fact, early payoff will shorten the length of your loans and save you on future fees.

    *Kabbage's maximum rate for each month is 12%. Third-party partners may occasionally charge up to an additional 1.5% for each month.

  • What is Kabbage?

    Kabbage is a leading online provider of business loans. Kabbage has built the world's fastest and easiest platform to provide capital to small businesses, funding companies in minutes. Kabbage leverages data generated by dozens of business operations to understand performance and deliver fast, flexible funding in real time. Kabbage can support any small business by analyzing various data sources that you use every day to run your business. Their process is so successful, we took notice and now Sage Small Business Loan is using it to help fund you.

  • Who is behind the company?

    We have a great leadership team. CEO Rob Frohwein, Chairman Marc Gorlin, and COO Kathryn Petralia co-founded Kabbage in 2009 responding to a clear need to get small businesses cash quickly, where banks have long-struggled. Prior to founding Kabbage Frohwein was the CEO of LAVA Group, an intellectual property and technology investment bank. Marc Gorlin is a serial entrepreneur who previously co-founded companies including Pretty Good Privacy (PGP) and VerticalOne Corporation. Kathryn Petralia, with fifteen years in the credit and payments industry, previously served in executive positions at CompuCredit and Revolution Money where she was Vice President of Strategy. Kabbage is venture funded and backed by Thomvest Ventures, Mohr Davidow Ventures, BlueRun Ventures, the UPS Strategic Enterprise Fund with additional investors including Ron Conway's SV Angel, David Bonderman, Warren Stephens, Western Technology Investment, H. Barton Asset Management, and TriplePoint Ventures.

  • How much can I qualify for?

    Kabbage leverages data generated through business activity such as average sales, seller ratings, and dozens of other sources to understand your real performance and deliver fast, flexible funding in real time. Kabbage provides funding from $2,000 to $150,000.

  • How can I contact you for additional information?

    You can email us at Support@SageSmallBusinessLoan.com, call us at 855-740-4440.

  • Whom am I calling for customer support?

    You're a Sage Small Business Loan customer first and foremost. When you call in and speak to customer service, you'll receive help from Kabbage Inc—the original creator of the loan product you're using. They are uniquely qualified to help you succeed and can address any concerns you may have.

  • How do I access my locked account?

    If you're having trouble logging into your account and locked yourself out, don't worry! Send us an email or give us a call and our dedicated representatives can get you back into your account in just a few moments!

  • How do I close my account?

    If you'd like to close your account, call our customer service team. They'll walk you through the process of closing the account. You can reach them at 855-740-4440.

  • Can I add another user to my account?

    Unfortunately not. When you apply, the application is in your name, and you are the sole account holder.

  • Can I apply more than once?

    We'll only fund a business or individual one time, so you can only have one account in the system.

  • How do I dispute a charge?

    To dispute a charge, please call our customer service line at 855-740-4440.

  • How do I delete an account I connected?

    Removing channels is serious business. Give our customer service team a call at 855-740-4440 to discuss that process.

  • Who is eligible to use this service?

    We support all small businesses. It's simple. All you need is a valid business checking account to apply! You may be able to add more information to your profile after you submit your application.

  • How do you determine how much cash I get?

    We look at many factors to determine exactly how much cash to provide such as your average monthly revenue, seller rating where applicable, time in business, transaction volume, and other feedback measurements. Data sources we can use to analyze your business include your business checking account, PayPal, Authorize.Net, Stripe, eBay, Amazon, Yahoo, and many others.

  • Do you check my credit?

    Yes, we pull a credit report to verify your identity as a part of the application.

  • Do I need Internet access in order to manage my account?

    Yes, you will need access to the web.

  • Where can I have my loan deposited?

    You can have the funds deposited into your business checking or PayPal account. Loans deposited into your PayPal account take just a few minutes. Loans deposited into your business checking account take 1-3 business days to process.

  • How do I apply?

    Creating an account is free and only takes a few minutes. You can submit data from over a dozen different supported accounts you use every day to run your business. Link the channels you want us to consider, and you'll know when you finish the application if you've qualified.

  • What information and verification do you need from me to apply?

    Your business information is verified through the accounts you connect like your bank account, PayPal account, and so on. Your personal information is verified through your name, address, and SSN. We will let you know if any additional steps are required to verify your business information or identity.

  • How long does it take to be approved?

    The application and approval process can take as little as 7 minutes. Once approved you can start accessing your line of credit immediately.

  • Are the services also available at brick-and-mortar marketplaces?

    Absolutely! Our loans work for all small businesses. Whether you own a hair salon, run an ad agency, or sell goods online, Sage Small Business Loan here to help you grow. Any business with a business checking account or a PayPal account can apply.

  • Are there fees for using PayPal?

    You're not going to be charged for using PayPal. When you request a loan, you receive exactly that amount in your account. When you make a payment, you've sent exactly that amount to us. You pay only for what you take!

  • How do you charge for the loans?

    We don't charge any interest. Instead, you’ll pay a loan fee between 1.5 to 12 percent plus a portion of the loan each month. There are no early payment fees. In fact, early payoff will shorten the length of your loans and save you on future fees.

    *Kabbage's maximum rate for each month is 12%. Third party partners may occasionally charge up to an additional 1.5% for each month.

  • Is there a startup, monthly, or annual fee?

    Absolutely not! There are no separate charges to create an account, apply, or even save your qualified funds until you need them. Pay only for what you take!

  • Does every customer qualify for six- and 12-month loan options?

    After you apply, we will inform you for which terms the line of credit you are requesting qualifies.

  • Why do all of the bank transactions for the loan say "Kabbage"?

    First and foremost, you are a Sage Small Business Loan customer. The provider of the loans is Kabbage. It's their underwriting model that makes it possible to fund businesses online, and they are providing the loans on our behalf. For that reason, you'll see the Kabbage name attached to your payments and loans.

  • How do I make my payments?

    When you take a loan, you will agree to enroll in monthly automatic payments. There's no opt out for that. You may also make additional payments or return the entire loan amount at any time by making a manual payment.

  • When can I take another loan after a payment?

    The payments you make come back around to you as loans. How soon the funds are available depend on how you send them. When you pay with a direct PayPal transfer, the funds cycle around to your available balance again immediately. When you pay as an e-check through PayPal, the funds take a full ten days to come available to you again. Lastly, if you pay with a bank remittance, the money cycles to your available balance again in seven days. For e-check and bank remittances, the full hold must be observed even if the payment clears your bank before the hold ends.

  • In what ways can I make my payment?

    You are welcome to make your payments using your attached payment accounts—your bank, PayPal account, or debit card. If you wish to send a check, you can send it to Sage Small Business Loan, 925B Peachtree Street NE, Suite 1688, Atlanta, GA 30309. Checks are posted as soon as they arrive, but please note that automated payments remain active while a physical check is in transit. This may result in a payment being requested before the check arrives. Please plan accordingly or call Customer Service for any concerns.

  • When and how will I receive my first bill?

    When you take your first loan, you'll see your receive your statement within 30 days. After your statement arrives, you will have 21 days to make your minimum monthly payment.

  • How long can I keep the money?

    You have up to six months to return the six-month loans and up to 12 months to return 12-months loans. However, you must make the minimum payment. For example, 1/6 of six-months loans or 1/12 of 12 month loans plus any costs assessed each month until the full amount of the loan is returned.

  • Is there a penalty for making payments early?

    There are no early payment fees. In fact, early payoff will shorten the length of your loans and save you on future fees.

  • How do you calculate my monthly payment?

    We calculate the minimum monthly payment by taking 1/6 of the original loan amount (for six-month loans) or 1/12 of the loan amount (for 12-month loans) plus the total cost assessed.

  • Do I have different due dates for separate loans?

    All of your payments due are combined into one due date for simplicity. If every loan had its own separate due date, you could have payments due at odd intervals throughout the month.

  • How do I dispute a Kabbage charge?

    To dispute a charge, please call our customer service line at 855-740-4440.

  • How do you use my personally identifiable information?

    As stated in its Privacy Policy, Kabbage's primary purpose in collecting customer information is to establish a safe, smooth, efficient, and customized experience and to allow customers to take full advantage of our products and services. Kabbage uses customer information to: (1) provide services and support; (2) process transactions and send notifications regarding general operation of the service; (3) resolve disputes, collect fees, and troubleshoot problems; (4) prevent potentially prohibited or illegal activities; (5) enforce our Loan Agreement; (6) customize, measure, and improve our services; (7) update the content and layout of our website; and (8) compare information for accuracy and verify it with third parties.

  • How can I be certain my logon information for the data sources I connect is secure?

    As you are verifying your accounts, we do not see your logon information. You are being redirected to the site itself and logging on so you can give Kabbage permission to view the transaction history on your account.

  • Why do my legal agreements all say "Kabbage"?

    You're still a Sage Small Business Loan customer, but Kabbage is the company that is actually providing the loan to you. Kabbage is the leading provider of online business loans. Kabbage has built the world's fastest and easiest platform to provide capital to small businesses, funding companies in minutes. That method of funding proved so successful at helping businesses grow, we wanted to pass this opportunity on to you.

  • How does Sage Small Business Loan protect me from unauthorized charges?

    We perform several layers of identity verification before an account is approved. We also compare the information in these accounts to the personal and business information that you have provided.

  • How do I know if an email is from Sage Small Business Loan and how do I report if a communication seems fraudulent?

    You can manually navigate to our site rather than relying on a link from an email. If you do click through by link, check the URL to make sure you are actually on our site or on www.kabbage.com. If you have any concerns, simply ask customer service and they'll address them.

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