Is Amex Business Blueprint the same as Kabbage?

Yes. Kabbage was acquired by American Express in 2020 and rebranded as Amex Business Blueprint. The product mechanics survived (LOC + term loan via linked accounting / banking data) but underwriting is tighter than 2019-era Kabbage.

I'm a $5K/mo micro-business — which?

Amex Business Blueprint. Credibly's $15K/mo floor declines you. Amex's $3K/mo floor accepts you and the LOC structure is right for a small operator's cash flow.

I need $400K — which?

Credibly. Amex Business Blueprint caps at $250K. Credibly's MCA can underwrite to $400K – $600K on the right file, though approval at the upper bound is rare.

Credibly vs Kabbage (American Express Business Blueprint) — honest comparison 2026

Both fund small businesses. They solve different problems. Here's the honest side-by-side, then five use-case verdicts so you don't have to guess.

The specs

CrediblyKabbage (American Express Business Blueprint)

Product typeMulti-productLOC

Amount range$5K – $600K$1K – $250K

Cost (factor / APR)Factor 1.11+ (MCA); APR varies (term)Monthly fee 2 – 27% (depending on term + paper); effective APR 9 – 36%

Speed to fundAs fast as 4 hoursMinutes after approval — funds land in linked bank account same day

Min time in business6 months12 months

Min monthly revenue$15,000$3,000+/mo typical floor

Min credit score550+640+

Products

MCA
Working capital LOC
Short-term term loan

Business line of credit
Term loan via Amex Business Blueprint platform

Verdicts by use case

Speed of first draw — Winner: Kabbage (American Express Business Blueprint). Amex Business Blueprint (Kabbage) funds in minutes after approval — funds land in your linked bank account same day. Credibly funds in as fast as 4 hours but typically takes 1 business day on first deals.
Lowest revenue qualifying floor — Winner: Kabbage (American Express Business Blueprint). Amex Business Blueprint accepts $3K/mo revenue. Credibly wants $15K/mo. Sub-$15K/mo merchants are Amex-only in this pair.
Larger deal sizes ($250K+) — Winner: Credibly. Credibly's MCA tops at $600K. Amex Business Blueprint caps at $250K LOC + term loan. For sizable capital needs, Credibly wins on headline cap.
Recurring / revolving capital need — Winner: Kabbage (American Express Business Blueprint). Amex Business Blueprint is purpose-built as a draw-and-repay LOC + term loan platform. Credibly's LOC exists but their headline product is the MCA — different product shape for recurring needs.
Pricing transparency — Winner: Credibly. Credibly publishes A-paper factor rates (1.11+). Amex Business Blueprint uses a monthly fee structure (2 – 27%) that's deliberately harder to compare to APR — read the schedule carefully before accepting.

The honest takeaway

Credibly and Kabbage (American Express Business Blueprint) solve overlapping but distinct problems. The right choice depends on three things you already know about your business: how fast you need the money, how long you've been operating, and whether the capital need is one-time or recurring.

Frequently asked questions

Is Amex Business Blueprint the same as Kabbage?: Yes. Kabbage was acquired by American Express in 2020 and rebranded as Amex Business Blueprint. The product mechanics survived (LOC + term loan via linked accounting / banking data) but underwriting is tighter than 2019-era Kabbage.
I'm a $5K/mo micro-business — which?: Amex Business Blueprint. Credibly's $15K/mo floor declines you. Amex's $3K/mo floor accepts you and the LOC structure is right for a small operator's cash flow.
I need $400K — which?: Credibly. Amex Business Blueprint caps at $250K. Credibly's MCA can underwrite to $400K – $600K on the right file, though approval at the upper bound is rare.