If you’re comparing Bluevine and Kabbage, the Kabbage product is now the American Express Business Line of Credit. Both are revolving lines of up to $250,000, and both pair with a business checking account for fast draws. Bluevine accepts a lower credit score (625 vs 660) but asks for $10,000 a month in revenue and serves only LLCs and corporations. Amex asks for just $3,000 a month in revenue, prices each draw as a monthly loan fee, and bills monthly rather than weekly.
For more on each lender, read our Bluevine review and our American Express Business Line of Credit review, or browse every comparison in the lender reviews hub. Figures below come from each lender’s own website.
What happened to Kabbage?
Kabbage no longer operates under its own name. It became part of American Express, and its small-business line of credit is now offered as the American Express Business Line of Credit through Amex Business Blueprint. American Express’s help center tells former Kabbage customers that “to access your account, you will need to create an American Express User ID and password,” signing in with “the email address and password that was associated with your Kabbage account” (American Express Business Blueprint help center). The loans are issued by American Express National Bank.
Bluevine vs Amex Business Line of Credit at a glance
Figures checked on September 21, 2026. Pricing is shown as each lender quotes it.
| Bluevine | Amex Business Line of Credit (formerly Kabbage) | |
|---|---|---|
| Line size | $1,000 to $250,000 | $2,000 to $250,000 (initial lines over $150,000 for select customers only) |
| Repayment | Weekly over up to 52 weeks, or monthly over 12 months | Monthly; installment draws over 6, 12, 18 or 24 months, or single-repayment loans of 1 to 3 months |
| Pricing as quoted | Interest rates “as low as 7.8%” for top qualifying customers (basis not stated); no maintenance fees; “additional fees apply” | Monthly loan fee of 0.55% to 1.55% of the amount borrowed (terms and conditions); no APR published |
| Minimum credit score | 625 FICO (weekly plan); 700 (monthly plan) | 660 FICO (may be higher) |
| Minimum revenue | $10,000 a month or $120,000 a year; $80,000 a month for the monthly plan | $3,000 average monthly revenue |
| Minimum time in business | 12 months; 3 years for the monthly plan | 1 year |
| Business type | Corporation or LLC only | Not all industries eligible |
| Speed | Decision in as fast as 5 minutes; draws in as fast as 24 hours, or instantly into Bluevine Business Checking | 1 to 3 business days to post; immediate into Amex Business Checking |
| States not served | Nevada, North Dakota, South Dakota, U.S. territories | Not published |
| Lender of record | Celtic Bank | American Express National Bank |
How each one prices a draw
Bluevine quotes an interest rate; Amex quotes a monthly fee. An interest rate is charged on the balance you owe, while a monthly loan fee is a flat percentage of the amount you borrowed, charged each month the loan is open, even as the balance falls. Neither is an APR (annual percentage rate), which rolls interest and fees into one yearly figure. That makes the APR the fairest way to compare the two.
Bluevine
Bluevine advertises “interest rates as low as 7.8% for top qualifying customers” and “no maintenance fees,” with a note that “additional fees apply” (Bluevine line of credit). The page doesn’t say whether 7.8% is an APR or simple interest, and it is a best-case rate. Ask Bluevine for the APR and total repayment on the draw you plan to take.
Amex
The Amex terms say “the monthly loan fees may range from 0.55% to 1.55% of the total amount borrowed” (Amex Business Line of Credit terms). The Blueprint help center gives total fees by term instead: 3% to 9% for 6-month loans, 6% to 18% for 12-month loans, 9% to 27% for 18-month loans and 12% to 18% for 24-month loans, plus 0.95% to 6.05% for single-repayment loans of 1 to 3 months. Amex gives two sets of figures, so confirm which applies to your offer.
Our own rough conversion: on a 12-month installment draw repaid in equal monthly principal payments, 0.55% a month is about 12% APR and 1.55% a month is about 33% APR. That’s our estimate, not an Amex figure.
Worked example: a $50,000 draw over 12 months at Amex
Using the Amex terms, a $50,000 installment draw over 12 months at 0.55% a month carries $275 a month in fees, or $3,300 in total. At 1.55% a month, it’s $775 a month, or $9,300 in total. Each monthly bill also includes a portion of the principal. Bluevine doesn’t publish enough to cost the same draw, so ask it for the total repayment on $50,000 over its weekly or monthly plan and set the two side by side.
Who qualifies
Bluevine
- Weekly plan: 625+ FICO, 12+ months in business, a $2,000 average monthly bank balance and more than $10,000 in monthly revenue or at least $120,000 a year (Bluevine Help Center).
- Monthly plan: 700+ FICO, 3+ years, a $10,000 average balance and more than $80,000 in monthly revenue or at least $960,000 a year.
- Both plans: a corporation or LLC with no bankruptcies on your credit report. Sole proprietors don’t qualify.
Amex Business Line of Credit
- A FICO score of at least 660 at the time of application, which “may be higher based on your relationship with American Express, credit history, and other factors” (Amex Business Line of Credit).
- Recent average monthly revenue of at least $3,000 and a business started at least a year ago. You must be at least 18.
- Not all industries are eligible. Loans require a personal guarantee and are secured by assets of the borrower.
Choose Bluevine if…
- Your credit score is between 625 and 659.
- You want draws as small as $1,000 and are comfortable with weekly payments.
- You bank with Bluevine or want instant draws into Bluevine Business Checking.
- You may want a lump sum later: Bluevine can refer you to partners for term loans of up to $500,000 and SBA 7(a) loans of up to $350,000 (Bluevine business loans).
Choose the Amex Business Line of Credit if…
- Your revenue is below $10,000 a month but at least $3,000.
- You’re a sole proprietor or partnership, or you operate in Nevada or South Dakota, where Bluevine’s line isn’t available. Check industry eligibility with Amex first.
- You prefer monthly payments without meeting Bluevine’s monthly-plan bar (700 FICO, 3 years, $80,000 a month).
- You want terms of up to 24 months on a draw.
Not sure a line of credit is the right product? Our guide to lines of credit vs term loans explains when a lump sum fits better.
Pitfalls to watch
- Fee on the original amount. The Amex monthly fee is a percentage of the amount borrowed, not the falling balance, so repaying early is how you cut the cost. On an installment draw, fees that haven’t posted aren’t charged if you repay the principal early; on a single-repayment loan, early repayment “will not reduce the loan fee.”
- Best-case rates. Bluevine’s 7.8% applies to top qualifying customers. Your rate may be higher.
- Weekly debits. Bluevine’s standard plan is weekly. Make sure your cash flow can carry the payments.
- Personal guarantee. Amex requires one on every loan. Ask Bluevine whether its line does too.
FAQ
Is Kabbage the same as American Express?
Kabbage is now part of American Express. Former Kabbage customers sign in with an American Express User ID, and the line of credit is offered as the American Express Business Line of Credit, issued by American Express National Bank.
Is Bluevine or Amex easier to qualify for?
Bluevine has the lower credit minimum (625 vs 660). Amex has the lower revenue minimum ($3,000 vs $10,000 a month) and doesn’t publish a business-type restriction, while Bluevine serves only corporations and LLCs.
Which funds faster?
Both can be immediate if you use their checking account: Bluevine draws arrive instantly in Bluevine Business Checking, and Amex draws are deposited immediately into Amex Business Checking. Otherwise, Bluevine says as fast as 24 hours, and Amex says 1 to 3 business days.
Does applying affect my credit score?
Bluevine says applying won’t impact your personal credit score. Amex’s line of credit page doesn’t address this, so ask Amex before you apply.
Next step
If you’d like to compare Bluevine or Amex with other lines of credit, SMB Compass can help you compare offers from the lenders we work with. Start with our business line of credit page, or read OnDeck vs Amex Business Line of Credit, OnDeck vs Bluevine and Bluevine vs Fundbox.
Sources
- American Express: Business Line of Credit
- American Express: Business Line of Credit terms and conditions
- American Express: Business Blueprint help center
- Bluevine: Line of credit
- Bluevine Help Center: Line of credit repayment plans and requirements
- Bluevine Help Center: Credit line ranges
- Bluevine: Business loans
About this page. Written by Ezra Cabrera, Content Team Lead at SMB Compass. Figures were checked against each lender’s own website on September 21, 2026; lenders change their terms, so confirm current terms before you apply, and let us know if you spot a figure that has changed. SMB Compass is a business financing broker: we don’t lend our own money, and we are paid by the lenders we place loans with. This page is general information, not financial, legal or tax advice.