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Business Funding Solutions from American express

American Express® Business Funding: Financing Beyond the Card

Expand, invest, build, buy, and partner—meet business needs at speed.

Explore business funding solutions that help you do what you do best: run your business.

Learn more about our 3 funding options: Business Loans, Working Capital Terms, and Merchant Financing.

Why American Express® business funding? It’s built to back you:

Trusted Partner

Get more value from your relationship with American Express.

Understandable Terms

No application fees, no origination fees, and no prepayment penalties.

Competitive Prices

Our funding products are structured to help you boost your business.
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Cash-flow beyond the Card with 3 funding products:

Business Loans
Working Capital Terms
Merchant Financing

BUSINESS LOANS

Collateral-free funding for your business needs.

Dream bigger, boost your business, or simplify your finances with a straightforward loan.

GOOD FOR:

Improving cash-flow
Purchasing inventory
Consolidating debt
For eligible American Express® Business Card Members*.
Not an American Express Business® Card Member yet?
Get a decision in seconds.

FUNDING TERMS:

Funds from $3.5K to $75K

Repaid over 6 - 12 - 24 - 36 months

Fixed APRs between 6.98% to 19.97%

*Eligibility is based on having at least 1 year of account history on a Business Card, creditworthiness, and other factors. You must be pre-approved in order to apply.

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GOOD FOR:

Improving cash-flow
Purchasing inventory
Consolidating debt

WORKING CAPITAL TERMS

We send payment to your U.S. vendors upfront, you get back to business.

Manage payments to U.S.-based vendors—even if they may not take credit cards—and spend money on other things.

GOOD FOR:

Potential for early-pay discounts
Covering upcoming expenses
Ordering bulk inventory
For eligible American Express® Business Card Members*.
Not an American Express Business® Card Member yet?
Enroll with no impact to your credit score

FUNDING TERMS:

Funds from $500 to $150K per loan

Paid back over 30 - 60 - 90 days

Fixed fees range from 0.6% - 1.75% for 30 days,
1.2% - 3.50% for 60 days, and 1.8% - 5.25% for 90 days

*Eligibility based on at least 6 months of account history, creditworthiness, and other factors. The six-month account history requirement does not apply to Business Gold Card Members.

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GOOD FOR:

Potential for early-pay discounts
Covering upcoming expenses
Ordering bulk inventory

MERCHANT FINANCING

Accept American Express® Cards? Apply for a loan.

Apply for fixed-fee loans that work for your business—only if your business accepts American Express® Cards.

GOOD FOR:

Financing big projects
Paying for renovations
Purchasing equipment
For eligible American Express® Card-accepting merchants*.Don't accept American Express® Cards yet?
Automatic daily repayment through debit ACH or card receivables

FUNDING TERMS:

Funds from $5K to $2M

Paid back over 6 - 12 - 24 months

Fixed fees range from 1.75% - 8% for 6 months,
3.5% - 12% for 12 months, and 7% - 20% for 24 months

*Eligibility based on creditworthiness and other factors.

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GOOD FOR:

Financing big projects
Paying for renovations
Purchasing equipment

Let’s find you a solution for business funding beyond the Card.

Enter some quick information and get a recommendation for one or more products.
I need financing for:
Vendor Invoices
Debt Consolidation
Bulk Order Purchases
Rental Expense
Project-based Expense
Marketing/Advertising
Other
in the amount of:
Under $10,000
$10,000 - $30,000
$30,000 - $50,000
$50,000 - $75,000
$75,000 - $100,000
$100,000 - $200,000
$200,000 - $500,000
Over $500,000
which I would like as:funds sent directly to mefunds sent directly to my vendor
Ready to get started?
You may be closer to the funding you need.
No relationship with American Express?

Already have a relationship with American Express?

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Common questions about business funding:

What are the funding options for small business?

Funding for small businesses means much more than a loan. It’s a way to discover new opportunities and push your business forward. But knowing your options and how to evaluate them can make the difference for a small business.
At American Express, we offer loans and invoice financing to eligible American Express® Business Card Members and merchants who accept the American Express® Card. Learn more about our funding solutions and see which may be right for you.
Loans, whether Business Loans or Merchant Financing, are a great way to fund big projects or new areas of your business, cover big expenses, purchase inventory, or consolidate debt. We offer a variety of term loans, so you can apply for one that fits your budget and needs.
Working Capital Terms is another popular funding option for small businesses. It gives you the flexibility to choose financing terms that work for you—we’ll pay your U.S.-based vendors (even if they may not accept credit cards) and you pay us back later.
Apply for business funding with American Express, and you’ll be on your way to operating with more cash-flow for important business needs.

When should I start looking for funding for my small business?

Business funding is all about planning, and part of that is knowing what options you may have so you can stay ahead of the game. A good time to consider looking for funding is if you recognize an opportunity that will help boost your business. Another great way to consider funding is by foreseeing what lies ahead for your business. By determining periods when you think you might need more cash-flow, you can determine whether you want to prepare for those periods with additional business funding.
If funding is what’s preventing you from going after your business goals, you may want to consider loan and invoice financing options. Here are some common ways in which you can use funding, depending on your type of business:
  • Purchasing inventory or equipment
  • Repairs and renovations
  • Research and development
  • Paying U.S.-based vendors or utilities
  • Covering upcoming or unforeseen expenses
  • Consolidating debt
  • Funding a marketing or advertising campaign
All these expenses can affect the health of a small business. With our term loans or invoice financing, maintain or invest in your business by providing capital and increasing cash flow, all without breaking the bank.

How much small business funding do I need?

When you determine what your business needs are, and you have a good understanding of your finances, determine how you would use small business funding. The more specific, the better. Will a loan go toward a new advertising campaign or will it be used to purchase new equipment? Will you use it for working capital or vendor payments?
Would invoice financing (or vendor payments) give you the opportunity to defer payments so you can increase cash flow and pay us back on your own schedule? Also consider how much return you can expect as you invest in your business with our funding options.
The good news: with Business Loans or Merchant Financing, American Express is on your side. You can benefit from our suite of financing offerings throughout the year as long as you’re eligible. When used properly, small business funding options can help you focus on business operations instead of finances. We’re happy to help you figure out which funding solution fits your business needs.
Grow your company with other American Express Business products

Corporate & Business Cards

Make doing business easier while earning valuable rewards and receiving world-class customer service.

Payment Solutions

Manage vendor payments and employee spending to save time and free up cash flow.

International Payments

Send and receive foreign currency wire payments securely without set-up or maintenance fees.

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Terms and Conditions

American Express® Merchant Financing
American Express® Merchant Financing loans are commercial loans. The loans are secured by business assets, excluding real property and motor vehicles. Merchant Financing is not a purchase/discounting of receivables or a cash advance. To be eligible for a Merchant Financing loan, your business must accept the American Express Card and meet our creditworthiness and other criteria. A business can have only one Merchant Financing loan at a time. Not all industries are eligible for a Merchant Financing loan. For loans of $35,000 or less, a personal guaranty may be required. After you submit an application for a loan, and if approved, we will tell you how much your business can borrow, the fee for the loan and the repayment method, which will each be determined based on the creditworthiness of you and/or your business and other factors. If approved for a loan, funds will be disbursed to the business bank account in which your business receives settlements for credit and debit card transactions. Repayment options may include automatic debits via ACH every business day in a fixed amount from your business bank account or a daily withholding of a percentage of your business' credit and debit card receivables. To remain in good standing, your business must continue accepting the American Express Card during the term of the loan, meet minimum repayment obligations, and satisfy other criteria contained in your loan agreement. Late fees and fees for insufficient funds may be assessed. Early repayment rebates of either 25% or 10% of the fee for the loan are contingent on there being no default and the date of the early repayment, which varies by repayment term. A fixed fee, which is a percentage of your loan amount, will apply. Fixed fees vary by customer and are based on the creditworthiness of you and/or your business and other factors including your processing arrangements, referral source, and term. Fixed fees range from 1.75-8% (6-Month Term), 3.5-12% (12-Month Term), and 7-20% (24-Month Term).
Working Capital Terms from American Express
Program Enrollment. Before you can submit your first loan request, you must submit an application to enroll in the Working Capital Terms program (the Program). Your eligibility to enroll in Working Capital Terms is based on your business having at least 6 months of account history on its American Express Business Card, creditworthiness, and other factors. The six-month account history requirement does not apply to Business Gold Card Members. Corporate Centurion®, Business Centurion®, and/or Centurion® Card Members are not eligible for the Program. We may not approve, or may revoke your ability to submit, an application if there have been any material changes to the financial condition or creditworthiness of you and/or your business or for other reasons permitted under applicable law. If you are the Basic Card Member on more than one Business Card from American Express, you may only enroll one of the businesses in Working Capital Terms. Eligibility for the Program is conditioned upon your agreement to use electronic records and signatures, and electronic communication (including email), in the origination and administration of funding requests.
Working Capital Terms Program-Funding Requests.
The minimum funding request is $500 and the typical maximum loan amount is $150,000, however, you may be eligible for a larger loan based on our evaluation of your business. To request funds, you must (i) be enrolled in the program; (ii) have identified at least one vendor; and (iii) have linked at least one business bank account. Prior to requesting funds, your vendor must be verified; typically vendors are verified in 1-5 business days. If we approve a funding request, the funds will be automatically sent to the vendor's bank account via ACH within 2 business days. The funds requested will not be sent to you, and can only be requested for U.S.-based vendors. We may refuse to send payments to a vendor on your behalf if we determine the vendor is not eligible to receive payments from us. If we are not able to debit an amount equal to the total amount due for a funding request(s) by the twentieth day after the applicable auto-debit date, we will charge a monthly late payment fee. The late payment fee will be calculated as a percentage of the total amount due, which on a monthly basis shall be increased to reflect any unpaid late payment fees until the outstanding balance is paid in full.

The amount you can borrow and the fee are subject to change. They are based on the overall financial profile of you and your business, including your history with American Express and other financial institutions, your credit record data, and other factors. For your convenience, the amount you can borrow and the fee are always displayed in your Working Capital Terms dashboard. Fees are between 0.6% - 1.75% for 30 days, 1.2% - 3.50% for 60 days, and 1.8% - 5.25% for 90 days and are subject to change. Not all customers will be eligible for the lowest fee.
American Express® Business Loans
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). You may have only one Business Loan at a time. Late fees and returned payment fees may be assessed.