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Get a Merchant Financing expert on the line. Call us Monday through Friday, 8 a.m. – 8 p.m. ET at 1-855-298-1209.

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Your American Express Merchant Account Number is the 10-digit number associated with your merchant account.

Want a head start?
Have these handy:

  • Tax ID or merchant account number
  • Annual business revenue
  • Annual credit and debit card sales
  • Credit card processor name and number
  • Business bank account details
“We have received a few small business loans from traditional banks, and the process for us has always been extremely difficult. Applying for Merchant Financing with American Express has always been a little more seamless.”
‐Jesse Gomez, Mercado


American Express® Merchant Financing loans are commercial loans. The loans are secured by business assets, excluding real property and motor vehicles. Merchant Financing is not a purchase/discounting of receivables or a cash advance. To be eligible for a Merchant Financing loan, your business must accept the American Express Card and satisfy other eligibility requirements. A business can have only one Merchant Financing loan at a time. Not all industries are eligible for a Merchant Financing loan. For loans of $35,000 or less, a personal guaranty may be required. After you submit an application for a loan, and if approved, we will tell you how much your business can borrow, the fee for the loan and the repayment method, which will each be determined based on the creditworthiness of you and/or your business and other factors. If approved for a loan, funds will be disbursed to the business bank account in which your business receives settlements for credit and debit card transactions. Repayment options may include automatic debits via ACH every business day in a fixed amount from your business bank account or a daily withholding of a percentage of your business’ credit and debit card receivables. To remain in good standing, your business must continue accepting the American Express Card during the term of the loan, meet minimum repayment obligations, and satisfy other criteria contained in your loan agreement. Late fees and fees for insufficient funds may be assessed. Early repayment rebates of either 25% or 10% of the fee for the loan are contingent on there being no default and the date of the early repayment, which varies by repayment term.