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Financing made simple. Because running a business isn’t.

Simply because your business accepts American Express® Cards, you can apply to get a fixed fee business loan between $5,000 and $2,000,000. Terms apply.1

Plan ahead without the guesswork

Pay one fixed fee for your loan based on your term‐no interest rate or variable APR.2

Repay in pieces for peace of mind

Pay us back automatically, one day at a time over 6, 12, or 24 months.

Pay off early and get rewarded

Earn an early repayment rebate of up to 25% of your fixed fee depending on the term of your loan and when it’s repaid.

6 Month Term
1.75% to 8% Fixed Fee
12 Month Term
3.5% to 12% Fixed Fee
24 Month Term
7% to 20% Fixed Fee
of merchants who apply get an instant decision
of merchants return for another loan
of merchants get funds within 5 days of approval

Merchant Stories

See how the owner of contemporary Mexican restaurants across L.A. has used Merchant Financing three times to support expansion and rely on the fixed fee to budget with confidence.
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.
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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.

2. A fixed fee, which is a percentage of your loan amount, will apply. Fixed fees vary by customer and are based on the creditworthiness of you and/or your business and other factors including your processing arrangements, referral source, and term. Fixed fees range from 1.75-8% (6‐Month Term), 3.5-12% (12‐Month Term), and 7-20% (24‐Month Term).