American Express

Business Cash Flow Solutions

Whether you need more cash on hand to cover operating expenses, quick access to capital to help grow your business, or opportunities to uncover greater returns on your spending, American Express offers business cash flow solutions to help your business thrive.

Strong cash flow management: a strategic advantage

Cash flow refers to the cash flowing into and out of your business over a specific time period; the money you’re making in sales or commissions versus the money you’re spending on expenses. Strong cash flow management can give your business a strategic advantage by helping you:

Pay off debts

Repay startup costs such as office space, incorporation fees, or materials.

Grow at scale

Invest in talent, infrastructure, or supplies without impacting day-to-day operations.

Manage uncertainty

Gain peace of mind and a sense of security for uncertain times or unexpected situations.

Attract investors

Leverage strong cash flow statements to show that your business means business.

What are your business cash flow needs?

Discover American Express products and services that can help with managing cash flow in small businesses, medium-sized operations, and established corporations.

I need access to capital without having to jump through hoops.

Credit cards, lines of funding, and strategic payment solutions can help you free up cash flow quickly, at competitive rates, and with extended payment terms.


American Express Business Explorer® Credit Card


  • Revenue under $10M
  • Low introductory interest rate of 3.99% p.a. on new purchases for the first 6 months1, 19.99% p.a. thereafter2
  • Up to 55 days interest free3

With a low introductory rate1 and up to 55 interest free days3, you can help keep more cash in your business at the times you need it most.

American Express AccessLine®


  • All revenue sizes
  • Extended payment terms4
  • Domestic and foreign supplier payments5



Manage your cash flow more efficiently and negotiate early payment discounts on domestic and international payments.

American Express® Corporate Platinum Card


  • Revenue over $10M
  • Up to 51 days to pay for purchases6
  • No pre-set spending limit to help manage purchases7


Take up to 51 days to pay for purchases6, plus earn Membership Rewards points to redeem for business needs or reward employees.

I need ways to improve cash flow with rewards I can use to help offset business expenses.

Whether you want to maximise rewards from your favourite travel company or use Membership Rewards points to help offset business expenses, a good rewards program can free up cash flow to help your business grow.


American Express® Platinum Business Card


  • Revenue under $10M
  • Membership Rewards points
  • Access to 1,300+ airport lounges worldwide8

Earn up to 2.25 points per $1 spent on eligible purchases9, get premium travel benefits and up to 55 days to pay for purchases.10

American Express® Qantas Corporate Platinum Card


  • Revenue over $10M
  • Frequent business travel
  • Rewarding employees

Employees can earn Membership Rewards points11 and transfer to their Qantas Frequent Flyer account12 or redeem for Gift Cards13 and more.

American Express® Qantas Business Rewards Card


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

Earn 2 Qantas Points per $1 spent on Qantas products and services, up to 1.25 points per $1 spent on everyday spend,14 so you can help cut travel costs and manage cash flow.

I need extended repayment terms to help with cash flow management.

American Express offers solutions designed to help secure and stretch working capital, so you can spend less time managing your money and more time managing your business.


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. Interest charges apply.15

American Express® Buyer Initiated Payments


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


Extend your DPO16 by up to 58 days while still paying suppliers within their preferred timeframes so you can have more cash on hand to help manage your business cash flow.

Want even more ways to help manage cash flow?

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

Funding and Financing

Learn how to find strategic partners who can help provide resources for growth.

Expenses & Payment Solutions

Identify ways to manage supplier payments and employee spend.

International Payments

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