Payments on track.
Capital on hand.
Strengthen cash flow by paying your U.S.-based 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 need1.
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.
For your protection, we may need up to an additional 2 business days to verify the vendor information you provide.
Estimate your cost.
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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...
Pay Vendors that don’t accept cards.
“I choose to use Working Capital Terms for vendors that don't take the credit cards. In the past, the businesses that wouldn’t take a credit card, I’d write a check to and I’d put it in the mail, and they’d get it and deposit it and it’s too many steps. With Working Capital Terms, I log onto American Express, click on the icon for Working Capital Terms, choose my vendor, and they’re paid.”
—Verre Eglomise
Stay Equipped.
“Working Capital Terms is a perfect tool to cover expenses for things that hadn’t necessarily been budgeted to support our growth and to support our transformation. It gives us an extra 30 to 90 days for our operations to cover that expense.”
—Amsale
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 StartedExplore more business financing options with the powerful backing of American Express.
Apply for funds from $5K to $2M paid back over 6, 12 or 24 months.
Card-Accepting Businesses
Apply for funds from $3.5K to $50K paid back over 12, 24 or 36 months.
Business Card Members
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, and can only be requested for U.S.-based vendors. 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) 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.
2. 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. Late fees may be assessed.
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