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Enter an amount between $5,000 and $2,000,000
Most merchants approved for loans of this amount receive their funds within 2 days of completing their application.1
This tool uses a 12-month term and 6% fixed fee to illustrate repayment.*
Fixed Fee
That's 6% of $XX,XXXX.
Total Repayment
That’s the fixed fee and loan amount combined.
Estimated Daily Repayment
That’s the total repayment broken out each business day over a 12-month term.
Early Repayment Rebate
That’s 25% of the fixed fee back in hand if you repay early.

Merchant Stories

See how the owners of a Florida woodworking business have used Merchant Financing twice to minimize the impact of funding new equipment by repaying in daily increments.
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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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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.

1. Time to fund varies by loan and is determined by the time it takes to review your completed application, verify and set up your loan mechanics, and transfer funds.