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Payments on track.
Capital on hand.

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.

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

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.

1. Pick your vendor.
Select a vendor from those you’ve added and tell us how much you want to pay them.1
2. Choose your term.
Take your pick of a 30, 60, or 90 day term with a corresponding fixed fee starting at 0.5%, 1.0%, or 1.5%.2
3. We pay your vendor.
We send payment to your eligible vendor via ACH within 2 business days and make it clear the payment came from your business.
4. You pay us back.
The amount you requested plus your fixed fee are auto-debited from your bank account at the end of the term.
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

Estimate your cost.

Enter an amount between $1,000 and $750,000
Fees are between 0.5% - 1.75% for 30 days, 1.0% - 3.50% for 60 days, and 1.5% - 5.25% for 90 days. Not all customers will be eligible for the lowest fee.
Fixed fee as low as 0.5%
total amount owed
Fixed fee as low as 1.0%
total amount owed
Fixed fee as low as 1.5%
total amount owed
Get Started
Fees are between 0.5% - 1.75% for 30 days, 1.0% - 3.50% for 60 days, and 1.5% - 5.25% for 90 days. Not all customers will be eligible for the lowest fee.

Your one-stop shop for vendor payments.

With Working Capital Terms, you can manage every detail of vendor payments from your American Express online account—even from your mobile device:

  • Add vendors you’d like to pay
  • Link your bank account
  • Request funds
  • Track your funding requests
  • Check your available amount to borrow

Use Working Capital Terms to...

Gain vendor discounts.

“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

Stay equipped.

“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.”

—Cresseveur-Reed, DDS

Simplified solution

Save time managing different vendor payment methods with one way to pay them all—even vendors who don’t accept credit 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.

Keep your business moving forward by paying vendors when you need to.

Get set up with no impact to your credit score.

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

Explore more business financing options with the powerful backing of American Express.

Fixed-fee, no-interest loans from Merchant Financing.

Apply for funds from $5K to $2M paid back over 6, 12 or 24 months.

For Eligible
Card-Accepting Businesses
Collateral-free funding with fixed rate Business Loans.

Apply for funds from $3.5K to $50K paid back over 12, 24 or 36 months.

For Pre-Approved
Business Card Members


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.