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FAQs
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 Employer 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.
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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Deposit accounts offered by American Express National Bank. Member FDIC.
TERMS AND CONDITIONS
American Express Business Blueprint™
American Express Business Blueprint™ is the small businesses 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, and American Express® Business Checking. 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. 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, data or account information that are available to the customer from Business Blueprint.™
American Express® Business Line of Credit
Terms and Conditions for an American Express® Business Line of Credit apply. Visit https://www.americanexpress.com/en-us/business/blueprint/terms-and-conditions/business-line-of-credit/ for more information.
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/.
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
American Express and Amex are registered trademarks of American Express.