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WELCOME OFFER

Earn $250 with American Express Business Line of Credit if your application is approved. Terms apply1

Earn $200 $250 with American Express® Business Line of Credit.

Apply for business funding2 with American Express. If approved, verify your bank account on or before Feb 28, 2023 and earn $250.

Already a customer with American Express? Sign in to apply

In order for your application to be approved, you must meet the minimum criteria, including but not limited to:

  • Be at least 18 years of age

  • Have started your business at least a year ago

  • Have a FICO score of at least 640 at time of application

  • Have an average monthly revenue of at least $3,000

All businesses are unique and are subject to review and approval.

EARN $250

To be eligible for this limited time offer, your application must be approved for an American Express® Business Line of Credit between 11/14/2022 and 2/28/2023 at 11:59pm ET. Then, add and verify your American Express® Business Line of Credit primary account on or before 2/28/2023 and we'll deposit $250 into it.

Focus on growth with an American Express® Business Line of Credit

  • Quick application

    Quick
    application

    Apply online in minutes.3 When you connect your business accounts to the application, your financial info is reviewed in real time for an efficient decision.

  • Flexible access

    Flexible
    access

    Use what you need when you need it — with no prepayment penalties.

  • Term length options

    Term length
    options

    6-, 12-, or 18-month loan term options with a corresponding monthly fee.2

  • Straightforward fees

    Straightforward
    fees

    Pay a fee only on the amount you use, during the months you have an outstanding balance.2

“Thanks to American Express Business Line of Credit, I was able to acquire the company of a retiring competitor. That expansion has already paid for itself!”

Chandra Franklin Womack, P.E., Aran+Franklin Engineering Inc.

Real American Express® Business Line of Credit (formerly Kabbage Funding™) customer aware that this testimonial may be featured.

View Chandra's story
View more testimonials

To determine eligibility for an American Express® Business Line of Credit and to move your application forward, you will need to link a business bank account to your application.

  • confidence

    Link your accounts with confidence

    American Express uses data encryption for your security and "read-only" access to understand your business performance.

  • link

    How do I link an account?

    Simply, follow the step-by-step instructions in the application.

Have questions about American Express® Business Line of Credit?

Check out our FAQs for more information about how American Express® Business Line of Credit works.

  • Select business owners* must:

    • Have been operating a business for at least 12 months
    • Have a valid business checking account
    • Be at least 18 years of age or older

    *Satisfy other eligibility requirements and meet our creditworthiness criteria. Please note that not all industries will be eligible for American Express® Business Line of Credit.

  • American Express® Business Line of Credit loans are issued by American Express National Bank.

  • Yes, American Express obtains reports from consumer reporting agencies. American Express may also report your line of credit account payment status to consumer credit reporting agencies in accordance with the loan agreement.

Read more FAQs

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Footnotes

  1. This offer is provided by American Express® Business Line of Credit (“we”, “us” or “our”). American Express® Business Line of Credit loans are issued by American Express National Bank (AENB). To be eligible to earn the $250 associated with this offer, you must 1) apply and be approved for a line of credit between 11/14/2022 and 2/28/2023 at 11:59pm ET and 2) add and verify your designated business bank account (hereafter defined as “Funding primary account”) on or before 2/28/2023 at 11:59pm ET. AENB will deposit $250 into the Funding primary account you've successfully linked to American Express® Business Line of Credit within 30 calendar days from the date the account is verified. Limit one offer per new American Express® Business Line of Credit account. This offer (i) is not available to existing American Express® Business Line of Credit customers, (ii) is non-transferable, and (iii) cannot be combined with any other offer except as permitted by American Express. We reserve the right to modify or revoke this offer at any time. You may not receive the offer, if we determine in our sole discretion that your account is not in good standing, has a disconnected bank account, and/or you have engaged in abuse, misuse, fraudulent activity, or gaming in connection with the offer in any way or that you intend to do so. We may also cancel your American Express® Business Line of Credit account and other accounts you may have with us. The offer may be taxable income to you and may be reported on IRS Form 1099. You are responsible for any federal or state taxes resulting from the offer. Please consult your tax advisor if you have questions about the tax treatment of the offer. If you have any questions regarding this offer, please contact us.
  2. American Express® Business Line of Credit offers access to a commercial line of credit ranging from $2,000 to $250,000; however, you may be eligible for a larger line of credit based on our evaluation of your business. Each draw on the line of credit will result in a separate installment loan. All loans are subject to credit approval and are secured by business assets. Every loan requires a personal guarantee. Total monthly fees incurred over the loan term range from 2-9% for 6-month loans, 7.5-18% for 12-month loans, 15.75-27% for 18 month loans, and are subject to change for future loans drawn under the available line of credit. Loans incur a loan fee for each month you have an outstanding balance. Not all customers will be eligible for the lowest fee. Not all loan term lengths are available to all customers. Eligibility is based on creditworthiness and other factors. Not all industries are eligible for American Express® Business Line of Credit. Pricing and line of credit decisions are based on the overall financial profile of you and your business, including history with American Express and other financial institutions, credit history, and other factors. Lines of credit are subject to periodic review and may change or be suspended, accompanied with or without an account closure. Late fees may be assessed. Loans are issued by American Express National Bank.
  3. If eligible, you can be approved in minutes for a line of credit from $2,000 to $250,000 when we are able to automatically obtain your business data and verify your bank account. If a manual review is required, it will take longer to provide you with a decision.
  4. Annual Percentage Yield (APY) as advertised is accurate as of 10/12/2022. APY is applied on account balances up to $500,000. No interest is earned on account balances over $500,000. APY is subject to change at any time without notice before and after a Business Checking account is opened.
  5. With American Express Business Blueprint™, customers can view their select business products that automatically appear on their dashboards at login. These products include American Express® Business Line of Credit, American Express® Business Checking, American Express® Payment Accept, and American Express® Business Credit Cards. Customers may also view the eligible external business bank accounts they choose to link to Business Blueprint.

Kabbage Payments, LLC is a registered Payment Service Provider/Payment Facilitator sponsored by Fifth Third Bank, N.A., Cincinnati, OH.

Accounts offered by American Express National Bank. Member FDIC. Funds deposited within American Express National Bank deposit accounts are insured by the Federal Deposit Insurance Corporation (FDIC) up to at least $250,000 per depositor. Coverage amounts vary based on factors such as account ownership, beneficiaries, and number of accounts with the same institution. For additional information, you may visit the FDIC website at www.fdic.gov.

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