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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. At this time, we are currently not accepting applications.

FINANCING MADE SIMPLE. BECAUSE RUNNING A BUSINESS ISN'T.

American Express® Merchant Financing

Simply because your business accepts American Express® Cards, you can apply to get a fixed fee business loan between $5,000 and $2,000,000. Terms apply.

Choose the terms that work for your business.

Funding options from

$5k - $2M

Payment terms of ‡

6/12/24 months

Fixed fees based on your repayment term ‡

6 Months
1.75% to 7%


12 Months
3.5% to 14%


24 Months
7% to 28%

For Eligible American Express® Card-accepting Merchants*

*Eligibility based on creditworthiness and other factors.
Merchant Financing from American Express

Fund your next opportunity

Plan ahead without the guesswork

Pay one fixed fee for your loan based on your term‐no interest rate or variable APR.

Repay in installments for peace of mind

Pay us back automatically, one day at a time over 6, 12, or 24 months.

Pay off early and get rewarded

Earn an early repayment rebate of up to 25% of your fixed fee depending on the term of your loan and when it’s repaid.

Our team is here to help answer your questions or start your application. Call us Monday through Friday, 8 a.m. ‑ 8 p.m. ET at 1-855-298-1209, or apply online.

Not an American Express-accepting merchant?

Eligibility for Merchant Financing starts with accepting American Express Cards at your business. See how your business could benefit from our competitive pricing plans.

American Express Business PlatinumAmerican Express Business GoldAmerican Express Business Plum

Get Your Cash and Get Back to Business.

1

Discover your options

Tell us about your business and we’ll tell you how much you could borrow, along with your fixed fee and repayment options. Then apply and we’ll follow up with a decision.
2

Get Funded

We’ll deposit your loan in full directly into your business bank account, if you’re approved. Use your funds to manage cash flow or take advantage of a new opportunity.
3

Pay Off

Repay in daily increments over the course of your term. Automatic repayment starts once you get your funds and ends as soon as your outstanding balance is paid off.
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Discover other funding solutions from American Express

Business Loans


For Eligible American Express® Business Card Members*
Funding options from
$3.5k - $75k
Payment Terms of
6/12/24/36 months
Terms Apply.
*Eligible American Express® Business Card Members. Eligibility based at least 1 year of account history, 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