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Keep vendors paid, move business forward.

Transform the way you pay your vendors to get more from your capital with flexible, fixed-fee financing as often as you need.

Pick your vendor.

Choose a vendor and tell us how much you want to pay them.2

Select your term.

Choose a term — 30, 60, or 90 days — with a corresponding fee as low as 0.5%, 1.0%, or 1.5%.1

Vendor gets paid.

We pay your eligible vendor via ACH within 2 business days and it’s clear the payment came from your business. For your protection, we may need up to an additional 2 business days to verify the vendor information you provide.

Pay us back.

The funds and fee are auto-debited from your bank account at the end of the term.

Discover what vendor payment looks like when we’ve got your back.

Estimate Your Repayment
A New Way to Pay
A new way to pay. More Ways to grow.
  • Stock up on inventory
  • Boost capital in your off season
  • Fund an advertising campaign
  • Invest in operations or equipment
  • Refresh your workspace
  • Cover project-based expenses
One-Time Enrollment, Real-time Decision.

Discover how much working capital you’re eligible for in as little as 60 seconds. Enroll risk-free and then request funds to pay vendors as often as you need.

Get Started

Have questions? We’re here to help. Reach our team Monday through Friday, 8:00am-8:00pm ET at 1-855-431-3875


1. The amount you can borrow and the fee can change. They are based on the overall financial profile of you and your business, including your history with American Express and other financial institutions, and your credit record data. For your convenience, the amount you can borrow and the fee are always displayed in your Working Capital Terms dashboard. Fees are between 0.5% - 1.75% for 30 days, 1.0% - 3.5% for 60 days, and 1.5% - 5.25% for 90 days. Not all customers will be eligible for the lowest fee. Fees are subject to change.

Program Enrollment. Before you can submit a loan request, you must submit an application to enroll in Working Capital Terms. Your eligibility to enroll in Working Capital Terms is based on information we have about you, including your credit history. We may not approve, or may revoke your ability to submit, an application if there has 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 OPEN, 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.

2. Working Capital Terms Program - Funding Requests. The minimum funding request is $1,000 and the maximum funding request is $750,000. 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. 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. We may need up to an additional 2 business days to verify the vendor information you provide. 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) before the twentieth day after the applicable auto-debit date, we will charge a late payment fee. The late payment fee will be calculated as a percentage of the total amount due, which on a monthly basis shall be increased to reflect any unpaid late payment fees until the outstanding balance is paid in full.