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Discover your options

Tell us about your business and we’ll tell you how much you could borrow, along with your fixed fee and repayment options. Then apply and we’ll follow up with a decision.

Get Funded

We’ll deposit your loan in full directly into your business bank account, if you’re approved. Use your funds to manage cash flow or take advantage of a new opportunity.

Pay Off

Repay in daily increments over the course of your term. Automatic repayment starts once you get your funds and ends as soon as your outstanding balance is paid off.

Financing for the long run.
More than 70% of our merchants come back for another loan.

Your repayment plan should fit your business. Not the other way around.

Working with you gives us the insight we need to find the daily repayment plan that sets your business up for success.

Predictability with Debit ACH

We’ll auto-debit a fixed amount from your business bank account, so you know exactly what you’re paying each business day.


Flexibility with Receivables

We’ll use a percentage of either your daily receivables from American Express, or from all credit and debit card transactions. This percentage‐or repayment rate‐lets you repay with the ebb and flow of your business.

The plan you get depends on a variety of factors, including your loan terms and history with American Express.

Estimate Your Repayment
Pay off early without penalties.
You could get back up to 25% of your fixed fee for repaying early.1

Merchant Stories

See how the owner of an NYC bakery has used Merchant Financing four times to manage seasonality while repaying gradually with the flow of her business.
View More Stories

Getting started is simple, too. No cost to apply, no origination fee, no surprises.

Our team is here to help answer your questions or start your application. Call us Monday through Friday, 8 a.m. ‑ 8 p.m. ET at 1-855-298-1209, or apply online.
Get Started


1. 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.