Compare and Apply for American Express® Business Loans online
"It just takes a minute to complete and submit
your online Amex Business Loans application."
Apply with no impact to your credit score—get a decision in as little as 60 seconds.
Check your rate. Find out if you’re pre-approved by logging into your American Express account. You’ll see how much you could borrow and your maximum rate.
Apply easily. Tell us how much you need up to your pre-approved amount. Then select a monthly payment option and provide some additional information about your business.
Get funded quickly. If approved, we’ll disburse your funds in 3 to 5 business days once you review the terms and accept your loan.
Get the Business Loans from American Express® for your business funding to drive the business growth today!
The issuer may STOP the offers and promotions without notice. Grab the loan of your choice while it lasts.
For detailed information or to apply, click on the link next to the loan of your choice and a new window will be opened for you.
Frequently Asked Questions
How can I use Business Loans funds?
Business Loans funds may only be used for business purposes, such as consolidating existing business card debt or increasing working capital. These funds may not be used for personal, family or household purposes, or to repay any indebtedness to American Express.
Do I need collateral for Business Loans?
No, there is no collateral requirement for Business Loans – Business Loans are unsecured loans.
What is a fixed APR loan?
With a fixed APR, or Annual Percentage Rate, loan, the rate is set when you take out the loan. This rate does not change over the length of your term.
I was told I was pre-approved for a Business Loan—what does that mean?
Pre-approval means you meet our preliminary approval requirements and are qualified to apply for a Business Loan. Pre-approval, including pre-approved maximum borrowing amount and Annual Percentage Rate, is based on the creditworthiness of you and your business and other factors at the time you receive a pre-approval offer.
Pre-approval is not an approval for credit. You must submit an application to apply for a Business Loan. Approval of your loan application is based on several factors, including, but not limited to the creditworthiness of you and your business, your standing with American Express, and a fraud review.
I see a different pre-approved offer today compared to one I saw earlier—why?
Pre-approved offers are based on the creditworthiness of you and your business and other factors at the time that we send the offer. Your most recent pre-approved offer may be different from an earlier one due to changes in the creditworthiness of you and/or your business, or other eligibility factors.
What do I need to apply?
You need an American Express online account and a valid email address to apply for Business Loans. You’ll be asked to provide, among other information, the following when you apply:
- The amount you wish to borrow up to your pre-approved amount
- Your desired term length
- Your purpose for requesting a loan
You may also be asked to provide additional basic contact information, your business income and revenue, details about the account(s) into which loan proceeds should be disbursed, business ownership information, and other information.
When applying for a debt consolidation loan, you will also need to provide the credit card number(s) for the business card(s) where you would like to us to send the loan funds. You must request at least $1,000 for each account and a minimum total of $3,500 for all accounts. You cannot use a Business Loan to repay indebtedness owed by you to American Express.
How can I apply?
At this time, you can only apply and agree to your loan terms online.
Will my credit score be impacted if I apply?
No, your credit score will not be impacted when you apply for Business Loans. However, if you’re approved for and accept the terms of a loan, we will report the loan information to credit bureaus, which may have an impact on your credit score and the credit score of your business.
How long does it take to get a decision?
We provide a credit decision in as little as 60 seconds. Some applications may be pended for further review – or if we require additional information from you.
How do I get my funds?
Your funds will be sent directly to the bank account(s) identified in your application. If you use your funds for business card debt consolidation, the amount(s) you provide in your application will be sent directly to the business card bank account(s) that you listed.
How long does it take to get funded?
We do our best to disburse funds as quickly as possible. Once an application is fully completed and approved, we generally send Business Loans funds within 3 to 5 business days. Please remember: in order for funds to be disbursed, you must complete all steps of the application, which may include providing business owner information, accepting the terms of the loan, and adding banking details if we do not have them on file.
Your bank or business card issuer(s) may take additional time to post loan funds to your account. If any loan funds do not post to your bank or business card account within 14 days after you have fully completed your application, please contact your bank or business card issuer(s).
Which business card issuers can I pay with Business Loans?
If you use a loan for business card debt consolidation, we can send your funds directly to accounts issued by most major credit card banks, though there are exceptions. We cannot send funds to repay any indebtedness to American Express. When you enter your business card account information on your application, we’ll tell you if that issuer is eligible to receive loan payments directly from us.
We are only able to send funds for debt consolidation to credit card accounts used for business purposes.
How much will I have to pay each month?
Business Loans are paid in fixed monthly installments of principal and interest over the length of your term. Your monthly payment will depend on the amount you borrow, the term length you choose, and your fixed APR. You will see your estimated monthly payment in your loan application at the time you apply for a loan and in your loan summary before you finalize the loan.
How much time will I have to pay off my loan?
When you apply for a Business Loan, you can choose from three term lengths: 12, 24, and 36 months. You will be required to make monthly payments over the selected term length. A longer term may result in a lower monthly payment, but more total interest than a shorter term for the same loan amount.
Can I change my payment due date?
No, your payment due date can’t be changed after you’re approved for your loan and accept your loan terms. The due date will be the same date each month for the length of your loan term (for example, the 15th of each month).
How do I repay?
While applying, or after you complete your application, you can enroll in AutoPay, which will help ensure your payments are made on time. You can also pay electronically each month by logging into your American Express online account. To pay by check, please follow the instructions on your loan invoice.
Can I prepay?
Yes, you can repay all or part of your loan early without prepayment penalties.
To pay off your entire loan early, pay the Outstanding Loan Balance that appears in your online account or on your current loan invoice. For your account to be deemed paid in full, payment must be received before the Next Invoice Date shown on your loan invoice. If the payment is not received before that date, you’ll still owe any additional interest or fees that may post to your account after the Next Invoice Date.
What if I’m unable to repay on time?
Please contact our servicing team if you are unable to make your payment. If your monthly payment is late or you have insufficient funds to make a monthly payment in full, you’ll be charged a late fee of $39; you will also continue to accrue interest on the unpaid amount of your monthly installment.
How do I review the details of my loan?
You can access information about your loan through your American Express online account. You’ll find information including the outstanding balance due, monthly payment amounts, payment due dates, and prior payments and credits. You can also find your Loan Account Number in either your Loan Agreement or your American Express online account.