American Express® Business Line of Credit
Read our FAQs and detailed guides to learn more about using your Business Line of Credit.
What factors determine the size of my Business Line of Credit?
Pricing and line of credit decisions are based on the overall financial profile of you and your business, including your history with American Express and other financial institutions, your credit history, and other factors. To determine the amount of your Business Line of Credit, we review information about you and your business through data sources such as your business’s bank account(s), your prior credit, and your repayment history, as well as additional information from your consumer credit report and your company’s commercial credit report. We analyze your average monthly revenue, time in business, and transaction volume, among other metrics, to assess your business’s financial performance. We also use the linked accounts you have added for transfers and transactions as part of this review. Although we use the accounts you have linked in our review, your cash flow insights as they appear in Business Blueprint, Insights (whether it is current or not), are not a consideration for your Business Line of Credit status or applications for other products.
Remember, disruptions of ongoing access to your linked accounts may result in account suspension or line decrease. Be sure that all bank accounts that reflect your business’s revenue remain linked.
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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.