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Turn your business goals into reality.

American Express® Business Loans offer:

Loans between $3,500 and $50,000*


Fixed interest rates with APRs ranging from 6.98% to 19.97%*


No origination fee or pre-payment penalty


Simple application and a decision in a few minutes

Business Loans are available to pre-approved American Express Business Card Members only. Find out today if you are pre-approved. To learn more, see American Express® Business Loans Terms and Conditions.

Looking for a Personal Loan?
*You must be pre-approved for an American Express® 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.

Estimate a monthly payment with our loan calculator:

See what your monthly payment could be based on a loan amount you enter and your estimated credit score.

1
Enter a Loan Amount:Between $3,500 and $50,000
$
2
Select Estimated Credit Score:
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.
Estimated Monthly Payment:
12 Monthly Payments
0
24 Monthly Payments
0
36 Monthly Payments
0
Monthly payment amounts displayed above are estimates and assume an APR based on the lowest FICO score within the range selected, as follows: 6.99% APR (Excellent), 8.99% APR (Very Good), 11.99% APR (Good), 14.99% APR (Average), 19.99% APR (Poor). Your pre-approved APR and loan amount will be determined based on the creditworthiness of you and your business and other factors at time of pre-approval, and will not be based solely on your FICO score. Not all Card Members will be pre-approved for the lowest available APR or the highest loan amount. Your monthly payments will be based on your pre-approved APR, the loan amount and repayment period that you select when you apply. See American Express Business Loans Terms and Conditions.

How It Works

Fixed interest rate loans with your choice of repayment period.

American Express® Business Loans can help you turn your business goals into reality.

1

Check Your Rate.

Log in to your American Express online account to see your pre-approved loan amount and APR. Then apply for your loan at your pre-approved rate.

2

Choose your repayment option.

To apply, tell us how much you want to borrow and choose one of three repayment periods that best meets your needs. Then see what your monthly payment could be.

3

Accept your loan.

If you're approved, review the terms of your loan and, if you accept, we will distribute your loan funds.