For Large Businesses
For Large Businesses
For Eligible American Express® Business Card Members.*
*Eligibility based on at least 6 months of account history, creditworthiness, and other factors.
Funding options from
Payment Terms of
Fixed fees based on your repayment term‡
Save time managing different vendor payment methods with one way to pay them all—even vendors who don’t accept credit cards.
Pay only one low fixed fee for each funding request. There’s no collateral, no origination fee, and no hidden costs.
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.
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.
“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
“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.”
Working Capital Terms is available to eligible American Express Business Card Members.
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.
No, there’s no fee to enroll!
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.
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.
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.
No, the length of your term can’t be changed after you submit a funding request.
Vendor Payments FAQs
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.
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.
No, we do not charge vendors for receiving payment through Working Capital Terms.
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.
We will send payment to your vendor within 2 business days of an approved funding request.
Yes, you can repay a funding request in full before the due date without any early pay penalties or discounts.
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.