American Express® Working Capital Terms

American Express® Working Capital Terms

Working Capital Terms from American Express is short-term financing for eligible American Express Card Members to pay their vendor invoices at competitive rates, with no collateral required. American Express pays the invoices up front, within two business days via ACH, and the Card Member can choose 30, 60, or 90 days to pay them back – whichever works best for them. *The amount a Card Member can borrow and their fee are based on the overall financial profile of the Card Member and their business, including their purchase and payment history with American Express and other financial institutions, and their credit record data. Fees are between 0.5% – 1.0% for 30 days, 1.0% – 2.0% for 60 days, and 1.5% – 3.0% for 90 days. Not all customers will be eligible for the lowest fee.

Nav's Verdict

15% Complete
Effort to Apply
30% Complete
Funding Speed
20% Complete
Repayment Terms
35% Complete


Bottom Line

Fees vary based on duration of payback and amount financed, but this can be a much cheaper alternative to traditional invoice financing.


Repay automatically from your bank account at the end of the term.


At most, only 90 days to repay. Must be an American Express Business Card Member to qualify.

Qualification requirements

Other Requirements

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

Annual Revenue

At least $200,000

6% - 12% APR*
Repayment Terms
The funds and fee are auto-debited from the Card Member's selected bank account at the end of the term (30 - 90 days).
Funding Amount
$1,000 - $750,000
Funding Speed
Within 2 business days


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