American Express® Business Line of Credit


Read our FAQs and detailed guides to learn more about using your Business Line of Credit.

 

 

How might an American Express® Business Line of Credit help my business?

When an eligible business applies and is approved, a Business Line of Credit can provide a source of funds to help manage cash flow gaps, pay bills, and cover business expenses, like equipment, and inventory purchases. ​

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Some features of American Express® Business Line of Credit include: ​

  • No origination fees, no annual fees, no monthly maintenance fees, and no application fees. Loan fees apply.​
  • No pre-payment penalties if you choose to pay back the loan early. ​
  • Online application for eligible businesses.​
  • You can draw multiple loans from your available funds without needing to reapply for your line of credit. Loans are subject to eligibility. ​

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Deposit accounts offered by American Express National Bank. Member FDIC.

 

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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.