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.