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Ideas to make an impact. Funds to make it happen.

American Express offers business financing solutions beyond our Cards to help your business grow. There are options available for eligible Business Card Members and American Express® Card-accepting Merchants

Term Loans

Fund big ideas, invest in strategic projects, or consolidate debt with short-term business loans.

Invoice Financing

Maximize cash flow by financing vendor payments.

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Looking for funding? Compare our different types of funding solutions.

Term Loans

Business Loans

Eligible American Express® Business Card Members*
Consolidate Business Card debt
Purchase inventory
Expand operations

Funding options from
$3.5k - $50k
Payment Terms of
12/24/36 months
Fixed APRs between 6.98% to 19.97%
*Eligibility for Business Loans is based on having at least 1 year of account history on a Business Card, creditworthiness, and other factors. You must be pre-approved for a Business Loan offer in order to apply.
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Term Loans

Merchant Financing

Eligible American Express® Card-accepting Merchants*
Manage seasonality
Pay for renovations
Purchase inventory or equipment

Funding options from
$5k - $2M
Payment Terms of
6/12/24 months
Fixed fees based on your repayment term

6 months 1.75% to 8%

12 months 3.5% to 12%

24 months 7% to 20%
*Eligibility based on creditworthiness and other factors.
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Invoice Financing

Working Capital Terms

Eligible American Express® Business Card Members*
Pay U.S.-based vendor invoices (even if they don't accept credit cards)
Manage cash flow by extending payment terms

Funding options from
$500 - $150k per loan.
Payment Terms of
30/60/90 days
Fixed fees based on your repayment term

30 days 0.6% to 1.75%

60 days 1.2% to 3.5%

90 days 1.8% to 5.25%
*Eligibility based on at least 6 months of account history, creditworthiness, and other factors.
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Not a Card Member?

Find the right Card to help you buy what you need, when you need it.

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Accept American Express®?

See how your business could benefit from our competitive pricing plans.

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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 a loan request, you must submit an application to enroll in Working Capital Terms. Your eligibility to enroll in Working Capital Terms is based on your business having at least six months of account history on its American Express Business Card, creditworthiness, and other factors. We may not approve, or may revoke your ability to submit, an application if there has 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 $50,000. 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.