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Your Financing ID can be found on the upper left-hand side of your Loan Agreement or under the Product Summary within your Merchant Financing Monthly Statement. Please do not include hyphens.

Your Merchant Financing Customer Number is the 10-digit number associated with your American Express® merchant account or the number that was assigned to you by Merchant Financing. Please do not include hyphens.

MERCHANT FINANCING LOG-IN FOR CURRENT CUSTOMERS:

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Financing ID
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Your Financing ID can be found on the upper left hand side of your Loan Agreement or under the Product Summary within your Merchant Financing Monthly Statement. Please do not include hyphens.
Merchant Financing Customer Number
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Your Merchant Financing Customer Number is the 10-digit number associated with your American Express® merchant account or the number that was assigned to you by Merchant Financing. Please do not include hyphens.

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Financing ID
[?]
Your Financing ID can be found on the upper left hand side of your Loan Agreement or under the Product Summary within your Merchant Financing Monthly Statement. Please do not include hyphens.
Merchant Financing Customer Number
[?]
Your Merchant Financing Customer Number is the 10-digit number associated with your American Express® merchant account or the number that was assigned to you by Merchant Financing. Please do not include hyphens.

ATTENTION: Please enter a valid Financing ID or Merchant Financing Customer Number.

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  • "MERCHANT FINANCING WAS THE SOLUTION WE NEEDED IT'S SO SIMPLE."

    REBECCA LONERGAN-BOUSFIELD MODWALLS

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  • "MERCHANT FINANCING HAS HELPED THIS COMPANY GROWN, WITHOUT A DOUBT."

    BRAD FOSTER ELUM DESIGNS

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  • "THE BANKS DON'T KNOW US THAT WELL BUT AMERICAN EXPRESS DOES."

    DR. DAVID COLBERT NEW YORK DERMATOLOGY GROUP

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  • "MERCHANT FINANCING HELPED US MAKE IMPROVEMENTS AND VOILA! CUSTOMERS RESPONDED."

    KATE EGAN EGAN DAY

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A Business Loan Like No Other

Merchant Financing from American Express is a unique approach to small business lending. Available exclusively to American Express® Card-accepting businesses, it's a simple way to boost cash flow — all on terms that are simple and easy to understand.

How it works is simple

Apply for a small business loan online
Apply online in three steps.
American Express Small Business Lending
Cash directly deposited into your business bank account, upon approval.
American Express Merchant Financing
Automatic repayment from your receivables or your bank account.

Want more details?

Watch this short video for a closer look at how Merchant Financing works > Transcript

Product Overview - American Express ® Merchant Financing See how American Express® helps small businesses. American Express Merchant Financing offers cash financing for select businesses that accept American Express Cards.
empty space overview

It works for many businesses

Play Video Business Loans: What is American Express Merchant Financing? Learn more about Merchant Financing, American Express's unique commercial loan that gives qualified business owners access to easy capital to help grow their business

Merchant Financing from American Express can help you stay a step ahead. From retail stores and restaurants, to hotels and more, it provides small business owners like you with the cash you need, when you need it.

Number crunching made easy

ESTIMATE YOUR RECEIVABLES

Include all your annual credit and debit card receivables

$50,000$1,875,000$3,750,000

$50,000$3,750,000$7,500,000

$12,500$750,000$1,500,000

Select an option

  • Annual Financing Loan

  • Annual Financing Loan

  • Monthly Financing

Estimated Financing Amount1

$

Fee as low as2

$

What an exact amount?

Apply now

1 This amount is an estimate only. For a loan based on all your credit/debit receivables, the maximum financing amount would be 200% of American Express receivables. Program eligibility and financing amounts are determined after review of the completed application.

1 This amount is an estimate only. For a loan based on all your credit/debit receivables, the maximum financing amount would be 200% of American Express receivables. Program eligibility and financing amounts are determined after review of the completed application.

1 This amount is an estimate only. For a loan based on all your credit/debit receivables, the maximum financing amount would be 200% of American Express receivables. Program eligibility and financing amounts are determined after review of the completed application.

2 For Settlement Advance, the fixed fee will apply to your Outstanding Balance on the disbursement date each month.

Get the facts fast

The simple, straightforward details about Merchant Financing
Merchant Financing and Your American Express ® Discount Rate
Your discount rate remains as stated in your processor's card service agreement. Repayment is based on your submissions after the discount rate and any amounts due for chargebacks, credits, and other fees are deducted in accordance with the terms of your processor's Card Acceptance Agreement.
Type of Funding
The financing offered through the Merchant Financing program is a commercial loan, not a purchase of receivables or a cash advance. You must repay the loan in full, together with the loan fee, regardless of your future credit/debit card Charge Volume.
Additional Terms & Conditions
This website contains key highlights of the Merchant Financing products being offered by American Express Bank, FSB, and is meant as an informational summary only. For more information, please call us at 1-855-298-1209.
Financing Options
You can enroll in only one product at any given time.
Pre-Qualified
If you are pre-qualified, pre-qualification is based only on your American Express Charge Volume history.
Pre-qualification does not guarantee funding as successful enrollment is based on broader financial information obtained during the application process.
Documents Necessary for Enrollment
Application documents we require vary depending on the type of loan product and various other criteria. Examples may include business financials (tax return, bank statement, monthly statements from processors) and proof of ownership. Additional documents may be required. For full details, please contact a Merchant Financing Specialist at 1-855-298-1209.
Product Eligibility

To qualify for financing, the minimum eligibility requirements are as follows for your business:

  • Accepts American Express Cards.
  • Accepted credit/debit cards for the past 24 months.
  • Minimum of $50,000 in total credit and debit payments from customers in the past year (American Express, Visa, MasterCard, etc.).
  • To qualify for Two-Year Financing, your business must have accepted American Express for the past 24 months.

To learn more or discuss in detail, please call us at 1-855-298-1209.

Ineligible Industries

Merchants in the following industries are not eligible for Merchant Financing.

  • Cruise lines
  • Airlines, private jets or chartered airlines
  • Ticket sales and brokers
  • Adult entertainment (specifically, online digital content sites)
  • Pornography
  • Escort and massage services
  • Medical marijuana dispensary
  • Prostitution
  • Check cashing/guarantee
  • Financial services equities, unit trusts, mutual funds
  • Insurance
  • Bail bonds
  • Debt collection (exceptions include outside agency collection fees, licensed insolvency practitioners and bail bondsmen fees)
  • Investment on future maturity of the goods investment made on future maturity of goods/services with an intention of gaining return on investment. e.g., stock market, wine future, horse breeding, or timber investment. (excludes travel related services, membership services, e.g., magazine subscriptions, ticket sales to future events, or real estate deposits)
  • Non-profit organizations
  • For-profit colleges and trade schools
  • Unregulated charities
  • Bureau de change establishments (establishment where foreign money is exchanged)
  • Detective agencies
  • Door-to-door sales (exception for payment on delivery directly to the company or to the franchisee)
  • Gambling (exception for accommodation, restaurant bar or gift shop facilities within a casino)
  • Multi-level pyramid selling (exception for payment on delivery directly to the company or to the franchisee)
  • Political parties (except in US)
  • Unlawful sale of prescription drugs or tobacco
  • Leasing
  • Mortgage payments
  • Condo down payments
Financing Amounts

Financing for the products is driven by forecasts depending on whether you select a loan that is repaid from your American Express® Charge Volume only or all of your Charge Volume, adjusted for business growth and other factors. As your Charge Volume increases, so will your potential financing amount.

Settlement Advance: The calculation for each 6-month period of disbursement will be based on your historical credit/debit card receivables. During the application process, you will be asked to choose how much of the loan amount offered you would like to receive monthly during the first 6 month period; you may choose 100%, 75%, or 50%.

One-Year or Two-Year Financing: Your cash funding/loan amount is calculated based on your historical credit/debit card receivables for the past 12 months and performance to date. The minimum amount of funding is $10,000 and the maximum available funding is $2,000,000.

Receiving Financing Funds

Receiving Settlement Advance Funds Loan funding is disbursed as a single payment each month into your merchant bank account on file, on a fixed day of the month.

Receiving One-Year or Two-Year Financing Your loan funds will be disbursed as a single payment into your merchant bank account on file at the start of the Term.

Uses for Funds

The financing offered through the Merchant Financing program is a commercial loan. Proceeds may only be used for business purposes and will be disbursed only to the merchant bank account in which you receive settlements for your credit/debit card transactions. The funds loaned to you through Merchant Financing may not be used for personal purposes, including paying dividends to principals and paying off debts to an FSB affiliate. In addition, the loan may not be used to purchase real estate or fund construction.

One-Year or Two-Year Financing

One-Year or Two-Year Financing Based on Your American Express® Receivables Only Repay automatically from your bank account on file During the application process, you will be offered a Repayment Rate which will correlate to the amount of loan that you are applying for. The maximum Repayment Rate is 50%. The cumulative amount due at the end of each month is listed on your payment schedule.

One-Year or Two-Year Financing Based on All Your Credit/Debit Card Receivables Repay by Debit ACH (One-Year Product Only) To process your repayment, the approved bank account(s) will be automatically debited periodically. You will need to grant American Express permission for Debit ACH payments. Fees for insufficient funds may also apply. For further information on Debit ACH, please call 1-855-298-1209.

Repay by Transfer Account: To obtain loan repayments from the card settlements that your processor submits, Merchant Financing will open a Transfer Account at Wells Fargo Bank on your behalf. This account will be used as a temporary settlement account. On a daily basis, your Processor will submit your network settlements into the Transfer Account. For further information on the Transfer Account, please call 1-855-298-1209.

Early Repayment For One-Year Financing: Your business could qualify for a rebate on your fixed, flat fee. You could receive a 50% rebate if you repay the full amount of your financing within 3 months or a 25% rebate if you repay within 6 months or a 10% rebate if within 9 months.

For Two-Year Financing: Your business could qualify for a rebate on your fixed, flat fee. You could receive a 50% rebate if you repay the full amount of your financing within 6 months or a 25% rebate if you repay within 12 months or a 10% rebate if within 18 months.

Settlement Advance

Settlement Advance Based on Your American Express Receivables Only During the application process, you will be offered a Repayment Rate, which will correlate to the amount of loan that you are applying for. This is 100%, 75%, or 50%. This will determine the amount that will be withheld from your American Express daily submissions. The Repayment Rate shall remain constant, as long as you remain current on your loan.

Settlement Advance Based on All Your Credit/Debit Card Receivables To obtain loan repayments from the card settlements that your processor submits, Merchant Financing will open a Transfer Account at Wells Fargo Bank on your behalf. This account will be used as a temporary settlement account. On a daily basis, your Processor will submit your network settlements into the Transfer Account. For further information on the Transfer Account, please call 1-855-298-1209.

Settlement Advance Contract Term

The initial term of the financing agreement is one year ("Initial Term"). The contract will automatically renew for successive one-year periods (each a "Renewal Term") unless terminated by either party by giving written notice to the other at least 60 days prior to the end of the Initial Term or any Renewal Term. There are no early termination fees if you choose to cancel.

No Interest Rate

Fees There is no interest rate associated with the Merchant Financing products. We only charge a fixed fee. Because these are fixed-fee products, you know exactly how much you are paying in financing fees. Loan Fee may vary by customer; eligibility for lowest available Loan Fee is based on a variety of factors, including your processing arrangements, referral source and creditworthiness. For more information, please call 1-855-298-1209.

If Outstanding Balance Is Not Fully Repaid by End of Month for Settlement Advance Each disbursement is due in full by the end of each month. We estimate what you will pay each month based on your forecasted charge volume. If you foresee that this may not happen, please contact us so that we can adjust your Repayment Rate accordingly. If you are paying significantly slower, we may require payment by check or debit ACH prior to disbursing any future payments.

If you repay less than 80% of the funding amount, we may initiate a debit ACH from your merchant bank account on file for the unpaid principal amount. You can also pay this amount by check. You will be eligible for the next month's funding if the amount is repaid successfully.

If Outstanding Balance Is Not Fully Repaid by End of Term for One-Year or Two-Year Financing For Transfer Accounts and American Express Only Loans If your Outstanding Balance is not fully repaid at the end of the Term, the Repayment Rate will be increased to 100% until the Outstanding Balance is repaid. At the end of the Term, the Outstanding Balance is immediately due and payable in full.