Collateral-free funds from $3,500 to $75,000 available to pre-approved Business Card Members1.
Ready to grow? Expand your business with equipment upgrades or launch new products, services, or marketing initiatives.
Why wait for your busy season to get business done? Make repairs as soon as you need to or stock up on inventory—and buy in bulk for vendor discounts.
Managing different business card balances? Streamline your finances by consolidating your business card debt into one fixed monthly payment.
Find out if you’re pre-approved by logging into your American Express account or authenticating with your Business Card information.
Tell us how much you need up to your pre-approved amount. Then select a monthly payment option and provide some additional information about your business.
If approved, we’ll disburse your funds in 3 to 5 business days once you review the terms and accept your loan.
Repayment is hassle-free: take advantage of AutoPay. Repay early with no penalty.
Thank you for considering American Express Business Loans. Individuals with poor credit may not meet the minimum requirements for American Express Business Loans at this time, and are encouraged to improve their credit score and then check eligibility.
Have questions? We’re here to help. Reach our team Monday through Friday, 9:00am-8:00pm ET at 1-855-531-2364 .
1. American Express® Business Loans are unsecured commercial loans. Eligibility for Business Loans is based on having at least 1 year of account history on an American Express Business Card, creditworthiness, and other factors. Not all industries are eligible for Business Loans. You must be pre-approved for a Business Loan offer in order to apply. Your pre-approved loan amount and maximum APR are based on the creditworthiness of you and your business and other factors. Not all customers will be pre-approved for the lowest APR or the highest loan amount. Pre-approval does not guarantee that you will be approved for a loan. We may decline your application if there is any material change to you and/or your business’s creditworthiness. After you submit an application for a loan, if approved, we will tell you the maximum amount your business can borrow and the APR on the loan. Business Loans range from $3,500 to $75,000. APRs range from 6.98% to 19.97%. Business Loans can be used for general business purposes or to consolidate business card debt with eligible U.S. banks (American Express Cards are excluded). Late fees and returned payment fees may be assessed.
2. If you are approved for and accept a Business Loan, we will report the loan information to credit bureaus, which may have an impact on you and your business’ credit score(s).
3. If we do not receive the total amount due on any monthly payment date, we will charge a late payment fee for that month equal to $39. A returned payment fee equal to $39 will be charged for any payment that is returned unpaid.
To learn more, see American Express® Business Loans Terms and Conditions.