American Express Review StaffAug.02, 2018

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In a Nutshell

American Express offers a variety of funding options for your business. Options range from business credit cards to merchant funding and working capital loans, with excellent customer ratings and the backing of a secure and reputable financial institution.


  • Easy online application
  • Funds within 5 business days
  • No origination or prepayment fees


  • Only available to American Express Business Card members
  • No guarantee of being pre-approved

American Express at a Glance 

Loan typesMerchant funding, working capital, business credit cards
Loan amount$1,000 to $2 million
Age of business2 years
Repayment terms30 days to 36 months
Minimum credit score650+
Minimum monthly revenue$4,000
Time until funding3 to 5 business days


American Express is more than just one of the biggest names in the credit card business. It also offers many financial services including business loans, merchant funding, and working capital. With American Express, you can secure the funding your business needs to realize its growth potential. 

Best For?

Each type of financing serves different purposes. Small business loans of up to $50,000 are great for consolidating debt or quickly injecting capital into your business. Working capital is suitable for bringing in cash flow and paying regular suppliers. Merchant funding provides large amounts and is best suited for financing big projects or simply for expanding your business.

Loan Features

Each of the financing options has different eligibility requirements, different terms and conditions, and caters to a different set of purposes. Below are highlights of all 3 types of financing: loans, working capital, and merchant funding.

  • American Express business loans are for pre-approved business card members. They can be used to consolidate high-interest debt on up to 4 business cards at a lower fixed rate without origination fees or pre-payment penalties. Loans can also be used to invest in your business’s growth actions such as opening a new location, upgrading equipment, or spending on marketing. As long as these growth efforts cost less than $50,000, you can fund your plans with a business loan.

  • American Express working capital is a bigger-ticket item for business card members. It’s really designed for one purpose: strengthening your cash flow by paying your vendors through working capital terms. It works like this: American Express pays your vendors up front; and you repay American Express at the end of the month or quarter—with interest. Members can stay on working capital for as long as they wish, up to the maximum $750,000 funding amount.

  • American Express merchant financing loans are commercial loans for bigger purposes. They are open to eligible Amex card-accepting businesses in certain industries. They come with a fixed interest rate designed to give your business predictability and allow you to focus on expansion.

  • Small business credit cards are for smaller businesses and have more flexible eligibility requirements. There are several types of AmEx credit cards for businesses, including a new co-branded corporate card operated by American Express and Amazon for small businesses in the U.S. to do their shopping.

The Application Process

Only pre-approved American Express Business Card members that have been using their business card for at least 1 year may apply for business loans or working capital. To check your rate and apply for a loan or other type of funding, call the American Express business funding team or log into your online account. 

Approval and APR depend on the following requirements:

  • The authorizing borrower must be at least 18 years old and a U.S. citizen or resident.

  • The borrower must be a Basic Card Member on an eligible American Express Business Card in the name of the business (meaning the person responsible for repayments).

  • The APR also depends on the Basic Card Member’s credit score and other metrics. To apply, the borrower must provide their Social Security number so American Express can run a credit query. They may also be asked to supply additional documentation about their personal finances and their company’s financial situation.

How Much Can You Borrow? 

Loan amounts vary depending on the amount of funding. Business loans can be used to borrow anywhere from $3,500 to $50,000. If you’re looking for higher amounts, working capital and merchant financing give access to 5-figure, 6-figure, and even 7-figure sources of funding—up to a maximum of $2 million.

Repayment Terms

The following table breaks down the range of APRs, repayment terms, and loan amounts for the different types of funding:

Business LoansWorking Capital TermsMerchant Financing
Loan Amounts$3,500 to $50,000$1,000 to $750,000$5,000 to $2 million
Repayment Terms12, 24, or 36 months30, 60, or 90 days6, 12, or 24 months
Fixed Rate6.98% to 19.97%0.5% to 5.25%1.75% to 20%

Privacy and Security 

American Express business loans are backed by the American Express Company (AmEx), one of the world’s oldest and largest financial services providers. Amex has a strong credit rating from all the major ratings agencies. It services around $300 billion in loans worldwide each year, including several billion dollars in small-business loans and financing in the United States. 

Help & Support

To speak to a member of the American Express business funding team, call the toll-free number during business hours (Mondays to Fridays, 9am to 6pm ET.  American Express is a large financial services provider with thousands of customer support staff around the world, but this phone number is designed specifically to help Business Card members speak to company experts about business loans, financing, and working capital. For enquiries about small business credit cards, AmEx offers a live chat function or support via a toll-free number.


American Express offers its Business Card members several sources of funding to help grow their business, including business loans, merchant financing, and working capital. Businesses must be pre-approved members to apply for such sources of funding. However, non-participating small businesses can still secure small amounts of funding through an AmEx small business credit card.

Physical Address

American Express
PO Box 981535
El Paso, TX 79998-1535