American Express

Business Funding & Financing

Whether you’re a small business wanting financing to grow or a mid-sized company seeking funding to take you to the next level, American Express can help your business get ahead.

How to finance your business

From credit to payment solutions that can help you keep more cash on hand, American Express offers multiple types of business financing options so you can grow your business at your pace. Rely on us to help your business:

Grow and scale

Hire staff, upgrade tech, or expand into untapped markets. Find ways to help fund your business.

Manage seasonality

Strategic business funding can help you take advantage of your off-season to explore new avenues for growth.

Access support

We’re always here with on-demand support and multiple financing options.

What are your business funding & financing needs?

Discover American Express products and services that can help you grow your business no matter your industry or size.

I need access to funding options as opportunities arise.

If you’re wondering how to finance your business fast, American Express has answers. Leverage our small business funding options to grow your footprint, or take advantage of advanced cash-flow management solutions for businesses with established revenue.


American Express® Buyer Initiated Payments


  • Revenue over $150M
  • Streamlining payment processes
  • Working capital flexibility

Extend your DPO by up to 58 days1 while still paying suppliers within their preferred timeframes so you can have more cash on hand to help manage your business cash flow.

American Express® Flexible Payment Option


  • Revenue up to $10M
  • American Express Business Charge Card Members
  • Instant Line of Credit

Flexible Payment Option gives you the option to pay a portion of your balance, up to a limit, over time, so you can have more cash flow flexibility.2 Interest charges apply.

I need rewards that benefit my business and help keep my costs under control.

With the right rewards program, you can leverage your everyday business spending to help offset your business costs, reduce overhead, and reward your employees—which can free up more cash flow to help fund your growth.


American Express® Qantas Corporate Cards


  • Revenue over $10M
  • Qantas loyalists
  • Choice of 3 Cards

Employees can earn Membership Rewards points3 and transfer to their Qantas Frequent Flyer account4 or redeem for gift cards5 and more.

American Express® Platinum Business Card


  • Revenue up to $10M
  • Access to Membership Rewards
  • Access to 1,300+ airport lounges worldwide6

Treat employees to a premium travel experience while they earn Membership Rewards points that can help offset business expenses, be transferred to 10 airline partners including Qantas®, or redeemed for gift cards.5

American Express® Qantas Business Rewards Card


  • Revenue under $10M
  • Business and personal travel
  • Qantas loyalists

Earn TRIPLE Qantas Points7 when employees fly on eligible Qantas flights and pay using their Card. Plus, save $89.50 with complimentary membership8 to the Qantas Business Rewards program.

Want even more ways to unlock business capital funding?

The American Express advantage


American Express has been helping our customers realise big dreams for over 100 years globally.


American Express has a global, multi-layer model with relationships across consumer, business, and merchants.


Our award-winning world-class customer service is globally recognised.


You may have the potential to earn Membership Rewards on your everyday business spend.

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Frequently asked questions

Discover more business solutions

Expenses & Payment Solutions

Discover ways to manage supplier payments and employee spend.

Cash Flow Solutions

Explore solutions that can help you manage your business cash flow and have more cash on hand.

International Payments

Pay vendors and suppliers from other countries and in different currencies.