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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.
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.

Not a Card Member?

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

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American Express Business PlatinumAmerican Express Business GoldAmerican Express Business Plum
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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.
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