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Business BlueprintTM
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Business Checking
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FAQs
What is American Express Business Blueprint™?
Business Blueprint is a free cash flow management platform, designed exclusively for small businesses, that shows a snapshot of your select American Express business products and linked external accounts on a single dashboard. You’ll also gain access to personalized insights and customized charts that can help drive more informed decisions for your business.
What is American Express® Business Line of Credit?
An American Express® Business Line of Credit is a line of credit extended to a business which has first applied for and been approved. Once approved, the business is assigned a specific line amount which is subject to change. The business has flexible access to the funds and can draw (“take a loan”) from the line as often as needed up to the available line amount.
Each draw is a separate installment loan. The borrower is required to make monthly payments, each of which includes a loan fee. After the borrower repays an outstanding balance, the borrower may see the line replenish, subject to ongoing review of the overall financial profile of the borrower and the borrower’s business, including history with American Express and other financial institutions, credit history, and other factors.
How do I open a Business Checking account?
You can apply for an American Express® Business Checking account online in as little as 10 minutes. You’ll need to answer a few basic questions about your business including your industry, revenue, and how you plan to use your online business checking account, and you will need to provide an Employee Identification Number (EIN) or Taxpayer Identification Number (TIN) and documentation to prove you are a registered business. If you’re approved for an account, you’ll be able to link an existing bank account, deposit funds, and begin making transactions.
Learn more about Business Checking.
How do I sign up for Business Blueprint, and is there a cost?
If you have American Express credentials (user ID and password), you can use these to sign up for and access Business Blueprint. If you don’t have American Express credentials, you’ll need to follow the online sign-up and fill out a simple form. There is no application processing fee, no fee to access or use the Business Blueprint platform, and no fee to receive cash flow insights from the platform. Other American Express products on the Business Blueprint platform have their own application processes, fees, and eligibility requirements.
Can I still access my Kabbage account?
To access your account, you will need to create an American Express User ID and password. To do this, please sign in using the email address and password that was associated with your Kabbage account, then follow the prompts.
Why do I need to connect my business bank account?
We use the connection to your business bank account to determine your eligibility for credit. We ask that you connect your business bank account(s) online so we can assess your business performance information quickly and in an automated way, saving you the hassle of preparing financial statements.
How quickly can I get my loan funds?
Once an American Express® Business Line of Credit application is completed and approved, you will select your loan amount and loan terms, sign the loan agreement, and funds will be deposited into the verified business bank account you designated for disbursement. Funds may take 1 to 3 business days to process and post, depending on your bank.
What are the benefits of a Business Checking account?
American Express® Business Checking offers benefits for businesses such as:
- Competitive annual interest rate.
- No monthly account maintenance fees.
- No minimum balance requirement.
- Simple online account management with no branches, tellers, or lines.
- Personalized customer service with real, live people.
- Use your Business Debit card for purchases, ATM cash withdrawals and balance inquiries.
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TERMS AND CONDITIONS
American Express and Amex are registered trademarks of American Express.
American Express Business Blueprint™ is the small business digital experience that allows a customer to view on one digital dashboard summary account information for the following American Express small business products: American Express® Business Cards, American Express® Business Line of Credit, American Express® Business Checking, and American Express® Payment Accept. The customer can also choose to link their third-party issued business bank accounts and business credit cards to Business Blueprint. Not all third party accounts or cards can be connected to Business Blueprint. Business Blueprint allows the customer to view data insights and track their business cash flow and expenses by viewing reports that American Express prepares using the customer’s linked account information. Business Blueprint provides a 30-day bank account balance projection, using the daily balances from the customer’s linked bank accounts from the last 90 days. To be used in the account balance projection, the customer’s bank account must have at least 90 days of data available. While the cash flow management service from Business Blueprint is currently free, each of the business products from American Express that are visible in Business Blueprint has its own fees, eligibility criteria, application process and approval requirements. The Business Blueprint service (including any data insights provided to the customer) does not constitute legal, tax, financial or accounting advice, and is not a substitute for obtaining competent personalized advice from a licensed professional. You should seek professional advice before making any decision that could affect the financial health of your business. American Express makes no representations as to the accuracy, completeness or timeliness of the reports, projections, data or account information that are available to the customer from Business Blueprint.
American Express® Business Line of Credit
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 either a separate installment loan or a single repayment loan. All loans are subject to credit approval and are secured by business assets. Every loan requires a personal guarantee. For single repayment loans, we charge a total loan fee that ranges from 0.95%-1.80% of the amount you borrow for 1-month loans, 1.90%-3.75% for 2-month loans, and 2.85%-6.05% for 3-month loans. Single repayment loans incur a loan fee at origination and the principal and total loan fee are due and payable at loan maturity. There are no required monthly repayments for a single repayment loan. Repaying a single repayment loan early will not reduce the loan fee we charge you. For installment loans, we charge a total loan fee that ranges from 3-9% of the amount you borrow for 6-month loans, 6-18% for 12-month loans, 9-27% for 18-month loans, and 12-18% for 24-month loans. Installment loans incur a portion of the total loan fee for each month you have an outstanding balance. If you repay the total of the principal of an installment loan early, you will not be required to pay loan fees that have not posted for subsequent months. For each loan that you take, you will see the applicable loan fee before you take the loan. Once you take the loan, the loan fees that apply to that loan do not change. We reserve the right to change the loan fees that we offer you for new loans at any time. American Express reserves the right to offer promotions to reduce or waive loan fees from time to time. Not all customers will be eligible for the lowest loan 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.
American Express® Business Checking
We are currently accepting applications from eligible U.S. businesses. Not all applicants will be approved for a Business Checking account. To learn more about Business Checking, including eligibility, visit https://www.americanexpress.com/en-us/business/checking/.
American Express® Business Checking is offered by American Express National Bank. Member FDIC.
Membership Rewards® Program
Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.
The value of Membership Rewards® points varies according to how you choose to use them. To learn more, go to www.membershiprewards.com/pointsinfo
Kabbage Payments, LLC is a registered Payment Service Provider/Payment Facilitator sponsored by Fifth Third Bank, N.A., Cincinnati, OH.