Kabbage makes underwriting decisions based on factors such as transaction volume, social media activity and length of time in business. During the online application process, the small business owner provides access to the business' checking account, accounting software, Paypal account, and less traditional platforms such as eBay, Amazon and Square that can provide an overall sense of transactional volume. Kabbage then makes a decision on the amount of credit line to award based on the perceived financial strength and stability of the business.