Kabbage is not a bank. Therefore it is not required to follow banking regulations, nor the consumer protections those regulations provide. They offer a "contract" for a cash "advance" and charge extremely high fees amounting to 30-40% of the principal, all payable within the very short time frame of 6 months. A Kabbage "loan" will destroy your business with dizzying rapidity if you are not careful. Do not take the bait. It is poison for your business.