Strengthen cash flow by paying your vendors through Working Capital Terms.
As an eligible American Express Business Card Member, you can enroll once with no credit check, then get ongoing access to funds between $1,000 and $750,000 to pay vendors as often as you need.
Once enrolled, easily add vendors by providing their business and bank information. For your protection, we may need up to an additional 2 business days to verify the vendor information you provide.
With Working Capital Terms, you can manage every detail of vendor payments from your American Express online account—even from your mobile device:
Use Working Capital Terms to...
“I use Working Capital Terms for large vendor payments, especially when it allows us to better take advantage of vendor discounts. Specifically, [it] improves my earnings yearly because of the discounts I can capture.”
—JR’s POS Depot
“Working Capital Terms is a great, flexible way to pay my vendors. This allows me to buy equipment and then pay for it later. By procuring this additional equipment ahead-of-time, I am able to earn additional revenue each year.”
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.
Enroll online by logging into your American Express account. If you have questions, call us Monday through Friday, 9 a.m. to 6 p.m. ET at 1‑855‑531‑2364.Get Started
Apply for funds from $5K to $2M paid back over 6, 12 or 24 months.
Apply for funds from $3.5K to $50K paid back over 12, 24 or 36 months.
TERMS & CONDITIONS
1. 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.
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.
2. 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.