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Ideas to make an impact. Funds to make it happen.

American Express offers business financing solutions beyond our Cards to help your business grow, even during tax season.  There are options available to our Business Card Members and businesses that accept our Cards.

Term Loans

Fund big ideas, invest in strategic projects, or consolidate debt with short-term business loans up to $2MM available to eligible business customers.

Invoice Financing

Maximize cash flow by financing vendor payments. Once enrolled, eligible Business Card Members have ongoing access to funds up to $750K to pay vendors.

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Looking for funding? Compare our different types of funding solutions.

Term Loans

Business Loans

Eligible Business Card Members
Consolidate Business Card debt
Purchase inventory
Expand operations

Funding options from
$3.5k - $50k
Payment Terms of
12/24/36 months
Fixed interest rates with APRs from 6.98% to 19.97%
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Term Loans

Merchant Financing

Eligible American Express® Card-accepting Merchants
Manage seasonality
Pay for renovations
Purchase inventory or equipment

Funding options from
$5k - $2M
Payment Terms of
6/12/24 months
Fixed fees based on your repayment term

6 months 1.75% to 5%

12 months 3.5% to 12%

24 months 7% to 20%
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Invoice Financing

Working Capital Terms

Eligible Business Card Members
Pay vendor invoices (even if they don’t accept American Express)
Manage cash flow by extending payment terms

Funding options from
$1k - $750k
Payment Terms of
30/60/90 days
Fixed fees based on your repayment term

30 days 0.6%

60 days 1.2%

90 days 1.8%
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Not a Card Member?

Find the right Card to help you buy what you need, when you need it.

View All Business Cards

Accept American Express®?

See how your business could benefit from our competitive pricing plans.

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Receive your funding options. We have your back.

Call us Monday through Friday, 9 a.m. – 8 p.m. ET

Terms and Conditions

American Express® Merchant Financing
American Express® Merchant Financing loans are commercial loans secured by business assets, excluding real property and motor vehicles. Merchant Financing is not a purchase/discounting of receivables or a cash advance. To be eligible for a Merchant Financing loan, your business must accept the American Express® Card and satisfy other eligibility requirements. A business can have only one Merchant Financing loan at a time. Not all industries are eligible for a Merchant Financing loan. This offer is only good for this specific invitation for a One-Year Financing loan of $35,000 or less, for which a personal guaranty may be required. A fixed fee ranging from 7%–12% of the loan amount will apply. If you opt for a One-Year Financing loan greater than $35,000, a fixed fee ranging from 3.5%–10% will apply. After you submit an application for a loan, and if approved, we will tell you how much your business can borrow, the fee for the loan and the repayment method, which will each be determined based on the creditworthiness of you and/or your business and other factors. If approved for a loan, funds will be disbursed into your business bank account. Repayment is through automatic debits via ACH every business day in a fixed amount from your business bank account. To remain in good standing, your business must continue accepting the American Express® Card during the term of the loan, meet minimum repayment obligations, and satisfy other criteria contained in your loan agreement. Late fees and fees for insufficient funds may be assessed.
Working Capital Terms from American Express
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) by the twentieth day after the applicable auto-debit date, we will charge a monthly 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.
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.
American Express® Business Loans
You must be pre-approved for a Business Loan offer in order to apply. Your pre-approved loan amount and maximum APR are based on the creditworthiness of you and your business and other factors. Pre-approved APRs are between 6.98% APR and 19.97%, as of 8/22/18. Not all customers will be pre-approved for the lowest APR or the highest loan amount. Offer availability is subject to change. You must submit an application to apply for a loan. We may not approve your application if there has been any material change to the financial condition or creditworthiness of you and/or your business, as a result of our fraud review or for other reasons under applicable law. Additional terms and conditions apply.