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

Business 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. Controlling cash flow using strong cash flow management techniques 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.

Explore American Express Cards and products to help manage cash flow

American Express products and services provide valuable tools, cash flow finance solutions and services that can help manage and control 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.

SUGGESTED SOLUTIONS FROM AMERICAN EXPRESS:

American Express Business Explorer® Credit Card

GREAT FOR:

  • Revenue under $10M
  • Interest rate of 23.99% p.a. on all purchases.1
  • Up to 55 days interest free2

 

 

With up to 55 interest free days2 you can help keep more cash in your business at the times you need it most.

American Express® Corporate Platinum Card

GREAT FOR:

  • Revenue over $10M
  • Up to 51 days to pay for purchases5
  • No pre-set spending limit to help manage purchases6

 

Take up to 51 days to pay for purchases5, plus earn Membership Rewards8 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 Rewards8 points to help offset business expenses, a good rewards program can free up cash flow to help your business grow.

SUGGESTED SOLUTIONS FROM AMERICAN EXPRESS:

American Express® Platinum Business Card

GREAT FOR:

  • Revenue under $10M
  • Membership Rewards8 points
  • Access to 1,400+ airport lounges worldwide7

Earn up to 2.25 points per $18 spent on eligible purchases8, get premium travel benefits and up to 55 days to pay for purchases.9

American Express® Qantas Corporate Platinum Card

GREAT FOR:

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

Employees can earn Membership Rewards points10 and transfer to their Qantas Frequent Flyer account11 or redeem for Gift Cards12 and more.

American Express® Qantas Business Rewards Card

GREAT FOR:

  • 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 spent13 on everyday spend, plus no pre-set spending limit6 and 51 days to pay15 to help manage cash flow

 

After a total of 500,000 Qantas Points is earned in a calendar year, the everyday business earn rate will change from 1.25 to 0.75 Qantas Points per $1 spent.14

 

For Card Members who applied for the Card between 1 July 2023 – 9 January 2024,this change will come into effect from 10 July 2024.

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.

SUGGESTED SOLUTIONS FROM AMERICAN EXPRESS:

American Express® Flexible Payment Option

GREAT FOR:

  • 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.16

American Express® Buyer Initiated Payments

GREAT FOR:

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

 

Extend your DPO17 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

Heritage

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

Expertise

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

Service

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

Rewards

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

Explore cash flow topics

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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.