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PAYMENTS ON TRACK. CAPITAL ON HAND.

Working Capital Terms from American Express®

As an eligible American Express Business Card Member. you can enroll once with no credit check, then get access to funds from $500 up to $150K per loan to pay U.S.-based vendors

Strengthen cash flow by paying your U.S.-based vendors through Working Capital 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%-1.75%
60 days 1.2%-3.5%
90 days 1.8%-5.25%
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For Eligible American Express® Business Card Members.*

*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.
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Why Working Capital Terms?

Simplified Solution

Save time managing different vendor payment methods with one way to pay them all—even vendors who don’t accept credit cards.

One Low Cost

Pay only one low fixed fee for each funding request. There’s no collateral, no origination fee, and no hidden costs.

Flexible Repayment

Wait to repay until the end of your term—it’s auto-debited—or pay us back sooner at no extra cost. We don’t charge prepayment penalties.

One-Stop Shop

Use your online account to add vendors, link your bank account, request funds, track requests, or check your available amount to borrow – even from your mobile device.

Get set up with no impact to your credit score.

Enroll online by logging into your American Express account. If you have questions, call us Monday through Friday, 9 a.m. to 6 p.m. ET at 1‑855‑531‑2364.
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For Eligible American Express Business Card Members

Not a Card Member?

Access to Working Capital Terms starts with an American Express Business Card.

We pay your vendors up front, you pay us back later.

Once enrolled, easily add vendors by providing their business and bank information. Vendors can be verified in as few as 2 business days.
Do it again. Request to pay as many eligible vendors as you want, as many times as you want up to your available borrow amount.1
1
Pick your vendor
Select a vendor from those you’ve added and tell us how much you want to pay them.
2
Choose your term
Take your pick of a 30, 60, or 90 day term with a corresponding fixed fee starting at 0.6%, 1.2% or 1.8%*

*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.
3
We pay your vendor
We send approved payment to your eligible vendor via ACH within 2 business days1 and make it clear the payment came from your business.
4
You pay us back
The amount you requested plus your fixed fee are auto-debited from your business bank account at the end of the term.
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Estimate your cost.

How much is your vendor invoice?
$
Enter an amount from $500 up to $150K per loan
30Days
Assuming a fixed fee of 0.6%
total amount owed
60Days
Assuming a fixed fee of 1.2%
total amount owed
90Days
Assuming a fixed fee of 1.8%
total amount owed
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.
KNOW WHAT YOU’RE PAYING‐AND WHAT YOU’RE NOT. THERE’S NO COST TO APPLY AND NO ORIGINATION FEE.
Use Working Capital Terms to...

Pay Vendors that don’t accept cards.

“I choose to use Working Capital Terms for vendors that don't take the credit cards. In the past, the businesses that wouldn’t take a credit card, I’d write a check to and I’d put it in the mail, and they’d get it and deposit it and it’s too many steps. With Working Capital Terms, I log onto American Express, click on the icon for Working Capital Terms, choose my vendor, and they’re paid.”

– Verre Eglomise

Stay equipped.

“Working Capital Terms is a perfect tool to cover expenses for things that hadn’t necessarily been budgeted to support our growth and to support our transformation. It gives us an extra 30 to 90 days for our operations to cover that expense.”

– Amsale

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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.
*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

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
Frequently Asked Questions

Enrollment FAQs

Am I eligible for Working Capital Terms?

Working Capital Terms is available to eligible American Express Business Card Members.

Will American Express pull my credit report when I enroll?

No, we will not obtain credit reports when you apply to enroll in the program. Instead, we use existing credit reports and other information we already have on file for you.

Is there a fee to enroll?

No, there’s no fee to enroll!

Can I cancel my enrollment?

Yes, you can cancel your enrollment at any time. If you choose to do so, you will not be able to re-enroll in the Working Capital Terms program for this business or any other of your businesses.

Application FAQs

How much can I borrow?

The amount you can borrow is dynamic and will be displayed on the application to enroll in the program and on the Working Capital Terms dashboard after you enroll. The amount can range between $500 and $150,000 per loan, and can change based on the overall financial profile of you and your business.

When can I request funds?

Once enrolled, you can request funds whenever you need them up to the maximum borrowing amount displayed on your Working Capital Terms dashboard. We’ll review your funding requests as we receive them.

Can I change the length of my term after submitting a funding request?

No, the length of your term can’t be changed after you submit a funding request.

Vendor Payments FAQs

How do I add a vendor to pay?

Once enrolled, you can add a vendor by providing their business and bank information on the Working Capital Terms dashboard. We’ll verify that information for your protection. Since verifying new vendors can take as few as two business days, we recommend that you add your vendor in advance of your funding request.

Are there vendors that can't be paid using Working Capital Terms?

Working Capital Terms must be used to pay vendors for a valid business expense. Currently, Working Capital Terms cannot be used to pay international vendors. It also cannot be used to pay vendors in certain prohibited industries or to pay yourself or any of your affiliates.


A complete list of prohibited industries and transaction types can be found in the FAQs in the Working Capital Terms dashboard.

Will American Express charge my vendor a fee?

No, we do not charge vendors for receiving payment through Working Capital Terms.

How will my vendor get paid?

We'll send funds directly to your verified vendor via ACH using the vendor bank information you provide. We never tell vendors that you are financing invoices and we make it clear that the payment is coming from you. At the time of your funding request, you can add customer-identifying information such as an invoice number, customer number, or account number to the payment.

How quickly will my vendor get paid?

We will send payment to your vendor within 2 business days of an approved funding request.

Repayment FAQs

Can I repay the funds I borrow before the due date?

Yes, you can repay a funding request in full before the due date without any early pay penalties or discounts.

What happens if my loan is not repaid on its due date?

If we aren’t able to auto-debit the funds on your due date, we may charge you a late fee. We may also suspend your ability to request funds and/or cancel your enrollment in Working Capital Terms.

‡ Terms & Conditions

Working Capital Terms from American Express®
Program Enrollment. Before you can submit your first loan request, you must submit an application to enroll in the Working Capital Terms program (the Program). Your eligibility to enroll in Working Capital Terms is based on your business having at least 6 months of account history on its American Express Business Card, creditworthiness, and other factors. The six-month account history requirement does not apply to Business Gold Card Members. Corporate Centurion®, Business Centurion®, and/or Centurion® Card Members are not eligible for the Program. We may not approve, or may revoke your ability to submit, an application if there have 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; vendors can be verified in between 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 on that date and monthly thereafter, a late payment fee equal to 1.99% of the unpaid balance (including any unpaid late payment fees) until 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.
Loan activity may be reported to credit bureaus.