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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.


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. This amount can range between $500 and $150,000, 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 Payment

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.

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.

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.


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.

Have questions? We’re here to help. Reach our team Monday through Friday, 9 a.m. to 6 p.m. ET at 1‑855‑531‑2364.


1. Loan activity may be reported to credit bureaus.

2. 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; typically vendors are verified in 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.