Apply to get a fixed fee business loan between $5,000 and $2,000,000, offered exclusively to businesses that accept American Express® Cards.

You can use Merchant Financing for business expansion, capital improvements, purchasing inventory and other working capital needs. Merchant Financing has put billions of dollars in the hands of business owners, with a majority of business owners coming back for a second loan.


Loan Amount
$5,000 – 2,000,000

Loan Term
6 Months – 2 Years

Payment Frequency

Fixed fee as low as 8% of the financed amount

Time to Funds
1 – 9 days


  • Simple and flexible way to access working capital
  • If you’re approved, your loan is deposited directly into your business bank account in one lump sum.
  • Repayment is automatic. Early repayment rebates of up to 25% of the loan fee* can add even more value.


  • Merchant Financing is exclusively available to American Express® Card-accepting businesses.
  • Minimum 2 years in business.


American Express® Merchant Financing is a one or two-year term loan. Once approved, funds are deposited into your business bank account and the repayment is automatic via a transfer account or debit ACH.


Applicants will have to complete an application where underwriting will verify financial qualifications. The business must be an American Express® Card-accepting business. Qualifying does not mean you have been approved for a loan. Approval is based on a variety of factors, including financial information collected during the application process.

What type of businesses is Merchant Financing good for?

Merchant Financing is appropriate for businesses that have been in business for at least 2 years and currently accept American Express Cards. Merchant Financing has put billions of dollars in the hands of business owners, with over 70% of business owners coming back for a second loan.

What can I expect to pay?

With American Express® Merchant Financing, you pay a low, fixed fee, which ranges from 8%-14% per year. There are no loan origination or application fees.

How can I use a Merchant Financing loan to help my business?

Businesses like yours have used the funds to secure vendor discounts, hire new staff, and maintain cash flow. You can also use the funds to buy new equipment, start expansion projects, invest more in marketing and more.

*Terms and Conditions?

American Express® Merchant Financing products are commercial loans, not purchases or discounting of receivables. All loans offered hereunder will be referred to an American Express bank for fulfillment. Qualification for Merchant Financing is based upon current status as an American Express merchant and meeting program criteria. Merchant Financing loans are secured by business assets, excluding real property and motor vehicles. For loans $35,000 and below, a personal guaranty may be required. Eligibility, loan amount and loan fee will be based on a review of information submitted with the completed application. Financing is not guaranteed. Early repayment rebates of 25% or 10% of the loan fee are contingent on there being no default and the date of the early repayment, which varies by repayment term. Late fees and fees for insufficient funds may also apply. Additional terms and conditions apply. For more information, please call 1-844-452-2639. © 2017 American Express. All rights reserved.