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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.1

Choose the terms that work for your business.

For Eligible American Express® Card-accepting Merchants*
*Eligibility based on creditworthiness and other factors.

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%
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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.

Get set up with no impact to your credit score.

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.
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For Eligible American Express Card-accepting businesses

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.

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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How much do you want to borrow?

Enter an amount between $5,000 and $2,000,000.
$
This tool uses a 12-month term and 6% fixed fee to illustrate repayment.*
Fixed Fee
Total RepaymentThat's a fixed fee and loan amount combined.
Estimated Daily RepaymentThat's the total repayment broken out each business day over a 12-month term.
Early Repayment Rebate
DAYS
Most merchants approved for loans of this amount receive their funds within 2 business days of completing their application.
KNOW WHAT YOU’RE PAYING‐AND WHAT YOU’RE NOT. THERE’S NO COST TO APPLY AND NO ORIGINATION FEE.
* This tool assumes the Debit ACH repayment method. Your actual loan and daily repayment amounts depend on a variety of factors, including your repayment method, loan terms, and history with American Express. The tool reflects the maximum 25% rebate for the sample 12-month term, earned when you pay your total outstanding balance in full early, which can only be done by exceeding the estimated daily repayment. Early repayment rebates are contingent on there being no event of default.
Use Merchant Financing to...

Manage cash flow

Gives you peace of mind to know that Merchant Financing is available to have that cash flow that you need when you need to either buy equipment, expand, cover some big costs or bridge that period when it’s very slow.

- Amy Scherber, Amy’s Bread

Purchase inventory

At a time when we were looking to purchase a couple of pieces of new equipment I found out about the possibility of the Merchant Finance loan with American Express. Merchant Financing helped improve our business dramatically.

— Jon Adam Gleman, Gleman & Sons Custom Woodworks

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Your repayment plan should fit your business.
Not the other way around.

Working with you gives us the insight we need to find the daily repayment plan that sets your business up for success.
The plan you get depends on a variety of factors, including your loan terms and history with American Express.
Option 1: Predictability with Debit ACH
We'll auto-debit a fixed amount from your business bank account, so you know exactly what you're paying each business day.
Option 2: Flexibility with Receivables
We'll use a percentage of either your daily receivables from American Express, or from all credit and debit card transactions. This percentage-or repayment rate- lets you repay with the ebb and flow of your business.
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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 - $50k
Payment Terms of
12/24/36 months
Terms Apply.
*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.
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.
Learn More
Frequently Asked Questions

General FAQs

What is Merchant Financing?

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.

Am I eligible for Merchant Financing?

To be eligible for Merchant Financing, your business must:

  • Accept American Express Cards (to qualify for 24-month financing, you must have accepted American Express for the past 24 months)
  • Have a minimum of $50,000 in annual business revenue
  • Have a minimum of $12,000 in annual credit and debit receivables
  • Have been in business for at least 24 months

Please note that not all industries will be eligible for Merchant Financing.

How can I use Merchant Financing funds?

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.

What do I need to apply?

Along with your basic contact information, you will be asked to provide the following when you apply:

  • Tax ID or American Express Merchant Account Number
  • Total Annual Credit & Debit Card Receivables
  • Credit Card Processor Name and Number
  • Total Annual Business Revenue
  • Total Annual Personal Income
  • Social Security Number
  • Date of Birth
  • Percentage of Ownership
  • Type of Business Entity
  • Business Bank Account Details (bank name, routing number, account number)

You may be asked to provide additional details and documentation depending on your loan amount and repayment plan. A few examples are: business financials (such as tax returns, bank statements, or monthly statements from processors), personal credit score and proof of ownership.

I was told I was pre-approved‐what does that mean?

Pre-approval means your business is qualified and meets our preliminary approval requirements, but it doesn’t guarantee final approval. Approval of your application is subject to there being no material changes to the financial condition or creditworthiness of you and/or your business, fraud review and other conditions.

What loan terms does Merchant Financing offer?

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.

Fixed Fee FAQs

What’s a fixed fee?

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.

How is my fixed fee determined?

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 8% for a 6-month term, 3.5% and 12% for a 12-month term, and 7% and 20% for a 24-month term.

Funding FAQs

How long does it take to get funded?

We do our best to disburse funds as quickly as possible. Timing depends, in part, on your processing arrangements, repayment method, loan amount, and term. After completing their application, most approved merchants receive funds within 2 days for loans ≤ $35K, 3 days for loans > $35K and ≤ $250K, 5 days for loans > $250K and ≤ $750K, and 10 days for loans > $750K and ≤ $2M.

How do I get my funds?

Your funds will be direct deposited in one lump sum into the business bank account into which you receive settlements for your credit and debit card transactions.

Repayment FAQs

How do I repay?

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.

Can I repay early?

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.

What if I’m unable to repay on time?

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.

Renewal FAQs

How do I renew my loan?

You may be eligible to apply for more money once you’ve repaid at least 50% of your loan. The remaining balance of your loan must be paid in full before you can receive your new funds.


To apply for a renewal, please call a Merchant Financing Specialist at 1-855-298-1209, Monday through Friday, 8 a.m. - 8 p.m. ET.

‡ Benefit Terms

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).