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.

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.

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.

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.

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.

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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. We strongly encourage you to use our digital tools for self-servicing.

PAYMENTS ON TRACK. CAPITAL ON HAND.

Working Capital Terms from American Express

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%

For Eligible American Express^® Business Card Members.^*

^*Eligibility based on at least 6 months of account history, creditworthiness, and other factors.

Log Into Your Account

Working Capital Terms from American Express

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 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.

If you have questions, call us Monday through Friday, 9 a.m. to 8 p.m. ET at 1‑855‑531‑2364.

Log Into Your Account

Not a Card Member?

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

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

Once enrolled, easily add U.S. 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

Pick your vendor

Select a vendor from those you’ve added and tell us how much you want to pay them.^‡

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.

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.

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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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

COVID-19 Update:

Working Capital Terms from American Express

Strengthen cash flow by paying your U.S.-based vendors through Working Capital Terms‡

For Eligible American Express® Business Card Members.*

Why Working Capital Terms?

Simplified Solution

One Low Cost

Flexible Repayment

One-Stop Shop

Not a Card Member?

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

Pick your vendor

Choose your term

We pay your vendor

You pay us back

Discover other funding solutions from American Express

Business Loans

Strengthen cash flow by paying your U.S.-based vendors through Working Capital Terms^‡

For Eligible American Express^® Business Card Members.^*