American Express® Business Loans

American Express® Business Loans

American Express® Business Loans are unsecured loans that are only offered to pre-approved American Express Business Card Members. American Express® Business Loans are designed to be used for business purposes, such as to consolidate existing business card debt or to fund inventory purchases, expand operations or increase working capital. American Express® Business Loans cannot be used for consumer, personal, family or household purposes, to repay any indebtedness to American Express or for any purpose prohibited by law. *Card Member must be pre-approved for an American Express® Business Loan offer in order to apply. Card Member’s pre-approved loan amount and maximum APR are based on the creditworthiness of Card Member and its business and other factors. Not all pre-approved Card Members will be eligible for the lowest APR or the highest loan amount.

Nav's Verdict

25% Complete
Effort to Apply
30% Complete
Funding Speed
20% Complete
Repayment Terms
80% Complete


Bottom Line

A great loan option depending on your rates and terms and if you can qualify based on card requirement.


Favorable rates and payment terms. Low annual revenue requirement.


Must be an American Express Business Card Member to qualify.

Qualification requirements

Basic Requirement

Only available to current American Express Business Card Members with a minimum tenure of 1 year.

Fixed interest rates from 6.98% - 19.97% APR*
Repayment Terms
Monthly payments for 1 to 3 years
Funding Amount
$3,500 - $50,000
Origination Fee
Funding Speed
3 - 5 days


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