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Up to

$100,000

Credit

Fees starting at

1.25%

Per month1

Apply in

10

Per month2

New Payment Option on smihaf.com

Simple Payments

Easy monthly payments and no early repayment fees

Competitive Rates

Favorable terms and no order transaction fee

Quick Approval

Get a quick decision and pay nothing until you use funds

How It Works

Pay Later is a new payment method that let you finance Alibaba.com purchases in minutes2. Apply under the Pay Later tab during checkout or apply in advance to have credit ready for your next purchase.

01

Enter your basic business information.

Share information like time in business, industry and business tax ID.

02

Provide your personal information.

Your identity will be verified for your security.

02

Securely link your business checking and other online accounts.

This gives you automatic business review without requiring paperwork.

02

Use credit to buy now and Pay Later.

Once approved, you can access up to $150,000 during the Alibaba.com checkout process.

Frequently Asked Questions

Small businesses with an Alibaba.com account can apply for a Kabbage line of credit under the Pay Later program. Businesses that have an existing Kabbage line of credit outside of the Pay Later program are not currently eligible for another line of credit under the Pay Later program. To qualify, you need to be in business at least one year, be a U.S. based company, and a U.S. Citizen or Permanent .
Kabbage looks at your business performance to let you know right away how much funding your business can access – up to $150,000.
You'll pay a simple, monthly fee starting at 1.25%1 for each month you have a balance. There are no prepayment penalties, so you can prepay a loan at any time. There are no order transaction, origination, annual, or maintenance fees.
All Alibaba.com buyers outside of mainland China can place an order for the Inspection Service.
The application and decision process can be completed in just a few minutes. Most businesses have a completely automated application experience.

[1] Rates will be determined based on business application.

[2] smihaf can approve you in minutes for up to $150,000 when we are able to automatically obtain your business data and verify your bank account. In some situations, errors may occur during the sign up process, or we may need to send micro-deposits to confirm your bank account for security purposes. If this is the case, it may take up to several days to provide you access to funding.

[3] Numbers are for illustrative purposes only. This is not a guarantee of your actual term, fees or line size.

[4] Credit lines and pricing are subject to review and change. Individual requests for capital are separate installment loans. All KabbageⓇ business loans are issued by Celtic Bank, Member FDIC. Videos are for informational purposes only, and Kabbage does not guarantee any result or benefit to customers based on the content of the videos. The videos may not be reflective of every user’s experience. The views expressed in the videos are those of the person presenting in the video and may not represent the views of Kabbage or Celtic Bank

[5] This is not a guarantee of qualification, but rather the minimum qualification criteria.

Credit lines and pricing are subject to periodic review and change, including line and pricing reductions, line and pricing increases, or line eliminations. Individual requests for capital are separate installment loans that can only be used for purchases on Alibaba.com. All loans are subject to credit approval.

All Kabbage loans are issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice. For questions about Kabbage financing, call 833-254-2274 or visit Finance Questions.

smihaf.com is not the lender or broker for any Kabbage loans. smihaf.com makes no representation that you will be qualified for a Kabbage line of credit.