4 Min Read | Published: December 12, 2023 | Updated: October 27, 2025
How to use the Cash Flow tab in American Express Business BlueprintTM
The Cash Flow tab uses real-time data from your select American Express products and linked external business checking accounts to organize, display, and calculate the money in and out of your business over a select period that suits your business needs.
The Cash Flow tab's graphs can help you organize and display your data in several ways to help you plan for potential financial highs and lows:
Cash flow. View the money in and money out of your business over a selected period, such as month, year, or a custom timeframe, to identify potential gaps.
Net Cash flow. Use this metric to see the difference between the money flowing in and out of your select American Express and linked business checking accounts over a certain period of time.
Money in. Track money coming into your business over a selected period.
Money out. See the flow of money out of your business over a selected period.
This guide will help you understand the many ways that Business Blueprint Insights can help you make more confident cash flow management decisions.
After logging into your Business Blueprint platform, select the Cash Flow tab within “Insights” on the top of the page.
By default, you will see a bar graph showing your last 12 months of net cash flow across all your cash accounts. At the top of the page, you will find a few high-level pieces of information such as the net cash flow, comparisons of cash between time periods, and percentage change in cash flow for the selected periods (numbers are rounded to the nearest dollar amount). The green bars will show the money coming into your business, while the orange bars will represent the money going out. There is also an option to view your cash flow in line graph form. When viewing in line graph form, positive cash is represented in green while negative cash is in red.
An itemized list of your transactions will appear below the bar or line graph.
For illustrative purposes only
For illustrative purposes only
For illustrative purposes only
What is cash flow?
It’s a term you’ve probably seen around. Cash flow is the amount of cash that comes into and goes out of a business, and it’s an important indicator of financial health.
Step 1: Hover over any point of the graph
Hovering over any month on the bar graph will cause a small box to appear on the graph, showing your net cash flow for that time period.
For illustrative purposes only
To view information for a different month, select the desired month from the View by Date dropdown. If you want to review this information as a line graph, you can toggle to the line graph icon found under the View by Account dropdown.
Above the graph, you will find a net cash flow total. Within this area, you can see a comparison between the same period of time last year and how much it has changed in both dollar amount and percentage. The percentage will be rounded to the next whole number.
For illustrative purposes only
Step 2: Choose which data is displayed on the graph
You can change what data is displayed on the graph by using the dropdown boxes on the right side above the graph.
For illustrative purposes only
These allow you to change the time period , as well as which accounts are included. Your options include monthly, quarterly, yearly, and all time periods, as well as the ability to view a custom date range.
Why don’t I see any data?
At the start of a new month, you may not have any transactions yet. In this case, the Cash Flow page will show a zero-dollar balance, and there will be no transactions listed below the chart. Data will begin to appear as new transactions are posted.
If you do not have a business checking account currently linked to Business Blueprint, there will not be any data to display, and you will see a message indicating “No linked accounts.”
To add data sources to your account, follow these instructions to link a new account.
To view either set of data individually, select either “Money In” or “Money Out” on the left side above the graph.
Just like the “Cash Flow” graph, you have the option to view data from different periods or individual accounts, and can review them as bar or line graphs. All the same functionalities exist on each view.
For illustrative purposes only
For illustrative purposes only
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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.™
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