AMERICAN EXPRESS® BUSINESS LOANS
Apply to get a business loan between $3,500 and $50,000, offered exclusively to pre-approved American Express Business Card Members only.
Fixed interest rate loans with your choice of repayment period.
American Express® Business Loans can help you turn your business goals into reality.
Features
Loan Amount
$3,500 – $50,000
Loan Term
12, 24, or 36 months
Payment Frequency
Monthly
Fees
Fixed interest rates with APRs ranging from 6.98% to 19.97%
Fees
No origination fee or pre-payment penalty
BENEFITS
- No origination fee or pre-payment penalty
- Fixed interest rate
- Choose one of three repayment periods that best meets your needs
REQUIREMENTS
- Business Loans is exclusively available to American Express® Business Card Membes only.
- Be a US Citizen or Permanent Resident
- Be at least 18 years old
WHAT IS AMERICAN EXPRESS® BUSINESS LOANS
American Express® Business Loans is a one, two, or three-year term loan. Once approved, funds are deposited into your business bank account within 3 to 5 business days. The loans are payable in fixed monthly installments.
Qualifying
At this time, only pre-approved Business Card Members may apply for an American Express® Business Loan. If you’re pre-approved, American Express will let you know the maximum amount you can borrow and the maximum Annual Percentage Rate that will apply to your business loan.
You’ll need to provide some basic information, such as the amount you wish to borrow, your desired repayment period and the purpose for requesting a loan. You may be required to provide additional basic contact information, your income, and your business’ revenue.
What are the application requirements for American Express® Business Loans?
To apply for an American Express® Business Loan, you’ll need an American Express online account and a valid email address.
For loans used for business card debt consolidation, you’ll need at least one (but not more than four) eligible business card account(s) issued by a US bank. You must request at least $1,000 for each business card account and a minimum total of $3,500 for all business card accounts.
For other loan purposes, we’ll send your loan funds directly to a valid business purpose bank account that we have on file for you.
How much do I have to pay each month?
American Express® Business Loans are payable in fixed monthly installments. The amount of your monthly payment will depend on the amount you borrow, the repayment period you select and the total interest paid on your loan (based on the interest rate that we apply).
