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These loans are offered in 6, 12, and 24 month terms and are secured by business assets, excluding real property and motor vehicles."]]],["^ ","^51","Question","^18","How can I apply for a Merchant Financing loan?","^5B",[["^ ","^51","Answer","^5C","At this time, American Express is no longer accepting applications for new Merchant Financing loans. Existing customers can log in here to manage their Merchant Financing loan."]]],["^ ","^51","Question","^18","How can I use Merchant Financing funds?","^5B",[["^ ","^51","Answer","^5C","Because Merchant Financing is a commercial loan, proceeds may only be used for business purposes. In addition, these funds may not be used to pay dividends to principals or pay off debts to an American Express affiliate, to purchase real estate or fund construction, or for personal, family or household purposes."]]],["^ ","^51","Question","^18","What loan terms does Merchant Financing offer?","^5B",[["^ ","^51","Answer","^5C","For loans > $35K and ≤ $2M, we offer 6-month, 12-month, or 24-month terms, and for loans ≤ $35K, we offer a 12-month term and may require a personal guaranty. Your repayment options will be determined following a review of the information you provide when you apply."]]],["^ ","^51","Question","^18","What's a fixed fee?","^5B",[["^ ","^51","Answer","^5C","A fixed fee is a percentage of your loan amount and is repaid automatically over the course of your term as part of your total repayment. With Merchant Financing, there's no interest rate or variable APR."]]],["^ ","^51","Question","^18","How is my fixed fee determined?","^5B",[["^ ","^51","Answer","^5C","Your fixed fee is determined by American Express and is based on the creditworthiness of you and/or your business and other factors, including your processing arrangements, referral source, and the length of your term. Fees range between 1.75% and 7% for a 6-month term, 3.5% and 14% for a 12-month term, and 7% and 28% for a 24-month term."]]],["^ ","^51","Question","^18","How do I contact customer service about my existing loan?","^5B",[["^ ","^51","Answer","^5C","Please call a Merchant Financing Specialist at 1-855-298-1209, Monday through Friday, 8 a.m. - 8 p.m. ET."]]],["^ ","^51","Question","^18","How do I repay?","^5B",[["^ ","^51","Answer","^5C","

Your repayment method is determined by American Express and is based on the creditworthiness of you and/or your business and other factors, including your processing arrangements, loan amount, term, and history with American Express.

Below are the possible repayment methods:

Repay with debit ACH

A fixed amount will be automatically debited from your business bank account(s) each business day. Fees for insufficient funds may apply.

Repay with receivables

A percentage of your receivables will be used by American Express to repay your loan (every day your business has receivables) and the rest will be sent to your business bank account, as usual. This percentage, also called your repayment rate, is determined in part by the loan amount, term, and volume of transactions at your business, and will remain constant so long as you remain current on your loan.

Receivables-based repayment can work in three possible ways:

Receivables from only American Express transactions. We’ll use a percentage of your daily American Express transactions to repay your loan.
Receivables from all credit and debit card transactions via split funding. We’ll use a percentage of your daily transactions from all credit and debit cards including Visa, MasterCard, Discover, Diners Club and American Express to repay your loan. We will partner with your payments processor to have them send us the percentage owed.
Receivables from all credit and debit card transactions via transfer account

We'll use a percentage of your daily transactions from all credit and debit cards including Visa, MasterCard, Discover, Diners Club and American Express to repay your loan. We will open a temporary transfer account with the transfer account bank on your behalf, to which your payments processor will send your total receivables. From there, Wells Fargo will send us the percentage owed. Please note, this repayment method may be unavailable in Puerto Rico and the Virgin Islands.

"]]],["^ ","^51","Question","^18","Can I repay early?","^5B",[["^ ","^51","Answer","^5C","

Yes; there are no penalties for repaying early. In fact, your business could qualify for a rebate on up to 25% of your fixed fee so long as there's been no default on your loan and the following criteria are met:

6-month term: 25% rebate if paid in full within 90 days of disbursement; 10% rebate if paid in full within 135 days.
12-month term: 25% rebate if paid in full within 180 days of disbursement; 10% rebate if paid in full within 270 days.
24-month term: 25% rebate if paid in full within 360 days of disbursement; 10% rebate if paid in full within 540 days.

"]]],["^ ","^51","Question","^18","What if I'm unable to repay on time?","^5B",[["^ ","^51","Answer","^5C","

If you begin to fall behind on your repayment schedule, we'll help you catch up by increasing your repayment rate. We may also initiate a debit ACH from your business bank account on file for the past due amount, and take other action. In addition, if your loan becomes past due, you may incur a late fee of $39 or 2.99% of the past due amount, whichever is greater.

If, at the end of the term, the outstanding balance of your 6-, 12-, or 24-month loan is not fully repaid, the repayment rate will increase to 100% until it's repaid. We may also initiate a debit ACH from your business bank account on file for the unpaid amount, and take other action.

"]]]]]],"labels",[["^ ","identifier","compareProductsLabel","^5C","Discover other funding solutions from American Express"],["^ ","^5E","openFAQLabel","^5C","Do You Have Questions? We Have Answers"]],"hero",["^ ","^16","","primaryHeadline","American Express^® Merchant Financing","secondaryHeadline","Log in to manage your existing Merchant Financing loan.","^3E","/Internet/Acquisition/US_en/AppContent/OneSite/open/category/marketing/pattern/pattern.png","imageAlt","Merchant Financing from American Express"],"keyInfo",["^ ","^16","American Express is not accepting new customers for Merchant Financing. Existing customers can log in to manage their accounts.","items",[]],"acquisition",["^ ","^3J","","desc",[["^ ","^3D","TEXT","^5C","Our team is here to help answer your questions. Call us Monday through Friday, 8 a.m. - 8p.m. ET at 1-855-298-1209."]],"learnMore",["^ ","^3D","button","^16","Get Started","hoverText","Click here to get started with Merchant Financing from American Express","url","https://merchantfinancing.americanexpress.com/merchantfinancing/apply.htm","dtm",["^ ","^3D","linknav","tag","MF","^4T","GetStarted-bottom"]]],"alertBanner",["^ ","^16","COVID-19 Update:","^1=","American Express is not accepting new customers for Merchant Financing. Existing customers can log in to manage their accounts.","icon",["^ ","color","red","^18","dls-icon-declined"]],"faq",["^ ","^3J","Frequently Asked Questions","eventAssetPrefix",null,"^5K",[["^ ","^3J","General FAQs","^3C",[["^ ","question","What is Merchant Financing?","answer",["Merchant Financing products are small business loans of $5K - $2M offered to eligible businesses that accept American Express® Cards. These loans are offered in 6, 12, and 24 month terms and are secured by business assets, excluding real property and motor vehicles.
Please note American Express is not accepting new customers for Merchant Financing. Existing customers can log in to manage their accounts."]],["^ ","^5T","How can I apply for a Merchant Financing loan?","^5U",["American Express is no longer accepting applications for new Merchant Financing loans.
Existing customers can log in here to manage their Merchant Financing loan."]],["^ ","^5T","What loan terms does Merchant Financing offer?","^5U",["For loans > $35K and ≤ $2M, we offer 6-month, 12-month, or 24-month terms, and for loans ≤ $35K, we offer a 12-month term and may require a personal guaranty. Your repayment options will be determined following a review of the information you provide when you apply."]],["^ ","^5T","How do I contact customer service about my existing loan?","^5U",["Please call a Merchant Financing Specialist at 1-855-298-1209, Monday through Friday, 8 a.m. - 8 p.m. ET."]]]],["^ ","^3J","Repayment FAQs","^3C",[["^ ","^5T","How do I repay?","^5U",["Your repayment method is determined by American Express and is based on the creditworthiness of you and/or your business and other factors, including your processing arrangements, loan amount, term, and history with American Express. Below are the possible repayment methods:","Repay with debit ACH","A fixed amount will be automatically debited from your business bank account(s) each business day. Fees for insufficient funds may apply.","Repay with receivables","A percentage of your receivables will be used by American Express to repay your loan (every day your business has receivables) and the rest will be sent to your business bank account, as usual. This percentage, also called your repayment rate, is determined in part by the loan amount, term, and volume of transactions at your business, and will remain constant so long as you remain current on your loan. Receivables-based repayment can work in three possible ways:","

Receivables from only American Express transactions. We’ll use a percentage of your daily American Express transactions to repay your loan.
Receivables from all credit and debit card transactions via split funding. We’ll use a percentage of your daily transactions from all credit and debit cards including Visa, MasterCard, Discover, Diners Club and American Express to repay your loan. We will partner with your payments processor to have them send us the percentage owed.
Receivables from all credit and debit card transactions via transfer account

","We’ll use a percentage of your daily transactions from all credit and debit cards including Visa, MasterCard, Discover, Diners Club and American Express to repay your loan. We will open a temporary transfer account with the transfer account bank on your behalf, to which your payments processor will send your total receivables. From there, Wells Fargo will send us the percentage owed. Please note, this repayment method may be unavailable in Puerto Rico and the Virgin Islands.","If you have any questions, please call a Merchant Financing Specialist at 1-855-298-1209, Monday through Friday, 8 a.m. - 8 p.m. ET."]],["^ ","^5T","Can I repay early?","^5U",["Yes; there are no penalties for repaying early. In fact, your business could qualify for a rebate on up to 25% of your fixed fee so long as there’s been no default on your loan and the following criteria are met:","

6-month term: 25% rebate if paid in full within 90 days of disbursement; 10% rebate if paid in full within 135 days.
12-month term: 25% rebate if paid in full within 180 days of disbursement; 10% rebate if paid in full within 270 days.
24-month term: 25% rebate if paid in full within 360 days of disbursement; 10% rebate if paid in full within 540 days.
If you have any questions, please call a Merchant Financing Specialist at 1-855-298-1209, Monday through Friday, 8 a.m. - 8 p.m. ET.

"]],["^ ","^5T","What if I’m unable to repay on time?","^5U",["If you begin to fall behind on your repayment schedule, we’ll help you catch up by increasing your repayment rate. We may also initiate a debit ACH from your business bank account on file for the past due amount, and take other action. In addition, if your loan becomes past due, you may incur a late fee of $39 or 2.99% of the past due amount, whichever is greater.","If, at the end of the term, the outstanding balance of your 6-, 12-, or 24-month loan is not fully repaid, the repayment rate will increase to 100% until it’s repaid. We may also initiate a debit ACH from your business bank account on file for the unpaid amount, and take other action. ","If you have any questions, please call a Merchant Financing Specialist at 1-855-298-1209, Monday through Friday, 8 a.m. - 8 p.m. ET."]]]]]],"termsAndConditions",["^ ","^3J","‡ Benefit Terms","terms",["American Express^® Merchant Financing","American Express^® Merchant Financing loans are commercial loans secured by business assets, excluding real property and motor vehicles. To be eligible for a Merchant Financing loan, your business must accept the American Express Card and meet our creditworthiness and other criteria. Certain loan terms (including, for example, requirement of a personal guaranty and available repayment method(s)) may vary. A business can have only one Merchant Financing loan at a time. Not all industries are eligible for a Merchant Financing loan. After you apply 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. 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. If approved for a loan, funds will be disbursed to your business bank account. 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 25% or 10% of the loan fee 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 1.75-7% (6-Month Term), 3.5- 14% (12-Month Term), and 7-28% (24-Month Term).","American Express is not accepting new customers for Merchant Financing. Existing customers can log in to manage their accounts."],"dtm",["^ ","^3M","Expand","^3N","Terms&Conditions"]],"contentSquare",["^ ","src","//ct.contentsquare.net/ss/3776/58f9bb16-be1c-40a4-a9f6-764647d60c8c/18/uxa.js","integrity","sha512-59a4MIixqLVgbWYbm8INls4jKqH7WYFilc2/TlfCUtkJ9mY45HnFYs/QPYJFXU9nKzgoUU3Zni/OjiHzHKPIdA=="]],"TNL",["^ ","G100",["^ ","mycaLinkData",["^ ","mobilePagesToExclude",["accounts-payable-automation","business-funding-business-loans","business-funding-merchant-financing","business-funding-working-capital-terms","business-funding","employee-spending","foreign-exchange-international-payments","payment-solutions","vendor-payments"],"^4G","dls-glyph-account","^3J","View My Account","url","/dashboard","^3I",["^ ","^3D","linknav","tag","G100-viewMyAccount"]]],"G107Subnav",["^ ","^3C",[["^ ","^3J","

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