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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: American Express® Business Loans, Working Capital Terms from American Express, and American Express® 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. Application required. Terms apply.

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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Business Loans from American Express

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.

Use this short-term financing solution to manage payments to U.S.-based vendors — even if they may not take cards — and spend money on other things.

GOOD FOR:

If available, 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.

**Loan activity will be reported to credit bureaus

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Working Capital Terms from American Express

GOOD FOR:

If available, 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% - 7% for 6 months,
3.5% - 14% fixed fee for 12 months, and 7% - 28% for 24 months

*Eligibility based on creditworthiness and other factors.

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Merchant Financing from American Express

GOOD FOR:

Financing big projects
Paying for renovations
Purchasing equipment
Ready to get started?
You may be closer to the funding you need.
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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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