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26 November 2020

Providing businesses with added cash flow flexibility

Providing businesses with added cash flow flexibility

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Summary

Now more than ever, small business owners are valuing quality support. Many have seen their workload increase as they cope with evolving business regulations, with the additional concern of reduced cash flow. This is where the Flexible Payment Option (FPO) available to American Express Business Charge Card Members can help provide a little extra breathing room

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Flexible Payment Option

The Flexible Payment Option gives Business Charge Card Members access to an instant line of credit when they need it, without having to dip into personal savings, take out a loan or put up additional security. Instead of paying their Card balance in full each statement period, Card Members can choose to pay over time.1

No extra paperwork needed

If a Card Member is eligible, there is no need to apply or activate. Flexible Payment Option is an existing feature on their Charge Card. With flexible amount and terms, they can choose what portion of the balance to pay off over time1 (up to their FPO Credit Limit) and how long they’d like to take to pay it back.

How it works

1. Make purchases on the Charge Card as usual

Card Members receive a statement at the end of each statement period summarising their spend.

2. Decide how much of the balance to pay

Choose to pay the Closing Balance, the minimum amount due, or any amount in between (up to the FPO Credit Limit). 1

3.Manage the repayments

Carry over any unpaid amount to the next month’s balance. Any amount not paid in full will incur interest at a rate of 19.99% p.a. until repaid.

Explore the range of American Express Business Charge Cards here

American Express Australia Limited. 12 Shelley Street, Sydney NSW 2000 (ABN 92 108 952 085).

® Registered Trademark of American Express Company. © 2020 American Express Company. All rights reserved.

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