Merchant Financing by American Express

Merchant Financing by American Express

You built your business on big ideas. So when the next one comes along, don’t let a lack of capital stand in the way. As an American Express® Card-accepting business, you have access to American Express Merchant Financing®, a simple, cost-effective term loan. If approved, you can borrow up to $2 million. And it’s easy—from the low fixed fee to the ability to set up automatic repayment. The majority of business owners who have taken advantage of Merchant Financing come back for second loan. American Express wants to help you get business done. Get started today!

Nav's Verdict

40% Complete
Effort to Apply
30% Complete
Funding Speed
10% Complete
Repayment Terms
60% Complete


Bottom Line

Fees vary based on duration of payback and amount financed, but this can be a much cheaper option within the short-term lending space.


Repay automatically from your receivables or business bank account. Qualified merchants benefit from a flat fixed fee and early repayment discounts.


Daily payments. Must be an American Express® Card-accepting business.

Qualification requirements

Other Requirements

Must be an American Express® Card-accepting business. Businesses must also have a minimum of $12,000 in annual credit and debit receivables. Loans below $35,000 must have a personal guarantee.

Time in Business

At least 2 years

Annual Revenue

At least $50,000

Fees vary from 3% - 28% of total financed amount
Repayment Terms
Daily payments for 6 to 24 months
Funding Amount
$5,000 - $2 million
Origination Fee
Funding Speed
As fast as next business day


Reviews Disclosure: The responses below are not provided or commissioned by the credit card, financing and service companies that appear on this site. Responses have not been reviewed, approved or otherwise endorsed by the credit card, financing and service companies and it is not their responsibility to ensure all posts and/or questions are answered.