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COVID-19 Update:

We appreciate your patience as we navigate this unprecedented time. Our customer care teams are hard at work to help you, but wait times are higher than normal. We strongly encourage you to use our digital tools for self-servicing.


American Express® Business Loans

Boost your business or consolidate business debt with collateral-free funds from $3,500 to $75,000 available to pre-approved American Express® Business Card Members.

Choose from these funding options.

Funding options from

$3.5k - $75k

Payment Terms of

6/12/24/36 months

Fixed interest rates with APRs between

6.98% to 19.97%

Eligible American Express® Business Card Members*

*Eligibility based at least 1 year of account history, creditworthiness, and other factors.
Business Loans from American Express

Fund your next opportunity

Dream Bigger.

Ready to grow? Expand your business with equipment upgrades or launch new products, services or marketing initiatives.

Cover Costs.

Why wait for your busy season to get business done? Make repairs as soon as you need or stock up on inventory – and buy in bulk for vendor discounts, if available.

Simplify Finances.

Managing different Business Card balances? Streamline your finances by consolidating your non-American Express Business Card debt into one fixed monthly payment.

Apply with no impact to your credit score – get a decision in seconds.

Have questions? We’re here to help. Reach our team Monday through Friday, 8:00am-8:00pm ET at 1-855-531-2364.

Not a Card Member?

Access to Business Loans starts with an American Express Business Card.

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American Express Business PlatinumAmerican Express Business GoldAmerican Express Business Plum
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Get a decision in seconds


Check your offer

Find out if you're pre-approved by logging into your American Express account or authenticating with your Business Card information. You'll see how much you could borrow and your maximum rate.

Apply easily

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.

Get funded

If approved, we’ll disburse your funds in 3 to 5 business days once you review and accept your loan terms.
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Discover other funding solutions from American Express

Merchant Financing

For Eligible American Express® Card-accepting Merchants*
Funding options from
$5k - $2M
Payment Terms of
6/12/24 months
Application Required. Terms Apply.
* Eligibility based on creditworthiness and other factors.
Learn More

Working Capital Terms

For Eligible American Express® Business Card Members*
Funding options from
$500 - $150k per loan
Payment Terms of
30/60/90 days
Enrollment Required. Terms Apply.
* 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.
Learn More