Apply for your Special Funding offer.
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Pay fees only on what you borrow.
Apply for an American Express® Business Line of Credit.‡If approved: use what you need, when you need it. Pay fees only on the amount you use.
Already a small business Card Member with American Express?
Sign in to see if you're pre-approved
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 660*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.
*The required FICO score may be higher based on your relationship with American Express, credit history, and other factors.
Hello, American Express®
small Business Card Members
You may be pre-approved for an American Express® Business Line of Credit. Sign in and follow a few straightforward steps to find out.
Focus on growth with an American Express® Business Line of Credit
Apply online in minutes.‡ When you connect your business accounts to the application, your financial info is reviewed in real time for an efficient decision.
Use what you need when you need it — with no prepayment penalties.
6-, 12-, or 18-month loan term options with a corresponding monthly fee.‡
Pay for what
Pay a fee only on the amount you use, during the months you have an outstanding balance.‡
“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 customer aware that this testimonial may be featured.
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 funding account payment status to consumer credit reporting agencies in accordance with the loan agreement.
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