American Express® Business Line of Credit


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

 

 

How quickly can loan funds be deposited to a designated business bank account?

Once approved for an American Express® Business Line of Credit, you will be prompted to select your loan amount and loan terms from the options available to your business, and sign the loan agreement. Loan funds will then be deposited into the business bank account you designated for disbursement on the following timelines:​

  • Via ACH: Funds may take 1 to 3 business days to process and post, depending on your bank or the vendor's bank if you pay an eligible third party payee.* ​
  • Instant Deposit: Your American Express Business Blueprint™ products are designed to work stronger together to help you manage your cash flow. If you have an American Express® Business Checking account, you can receive funds into your business bank account immediately when you select this account for your deposit.**​

 

To take advantage of instant deposit, you must:​

  • Have both an approved American Express® Business Line of Credit and an American Express® Business Checking account.​
  • Choose American Express® Business Checking as your loan deposit account when drawing from your Business Line of Credit. ​

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* A payee is a third-party business or individual you are paying for business purposes. A payee must be located in the U.S. or U.S. territories. You or your business cannot be added as a payee.
**Funds are typically available within seconds, but may take longer to post due to unexpected issues.​

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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.