Business Funding & Financing

American Express offers robust solutions to help you get funding for your small business.

The most popular is American Express Charge Cards, which often have extended payment terms that can help you finance business purchases and offer a variety of benefits designed to make work and travel even more rewarding for small businesses.

If you are an existing American Express Business Card Member* and reside in Australia, you may be eligible for an American Express Business Loan. There are multiple options to work for business needs of all shapes and sizes.

*You must meet American Express eligibility criteria for Business Loans to apply.

1. The number of days by which your DPO is extended will vary depending on: (i) when during your American Express Card billing cycle you charge a transaction to a supplier; (ii) the date the transaction is posted to your Account; and (iii) the date you pay the amount due on your American Express billing statement.

2. With Flexible Payment Option, you will be charged interest if you do not pay your Closing Balance in full by the due date each month. Please refer to your monthly statements for the current interest rate and PDS for number of interest free days.

3. Membership Rewards Spirit program for Employees: Subject to the Terms and Conditions of the Membership Rewards program available here. Your Company must allow participation in Membership Rewards to be eligible to enrol. You must be a Qantas Frequent Flyer member to earn and redeem Qantas Points. The redemption of Qantas Points is subject to the Qantas Frequent Flyer program terms and conditions available at qantas.com/terms. A joining fee may apply. We recommend you consult your accountant or tax adviser to ensure you understand possible tax implications, for example fringe benefits tax (if applicable). Merchants classified as "government" include the Australian Taxation Office, the Australian Postal Corporation, Federal/State and Local government bodies. Industry specific earn rate may apply when you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. For example a payment made to Local Government bodies processed through a payment aggregator may earn rates at the government earn rate. There may be tax implications associated with participation in the Membership Rewards program. You are advised to check with your accountant or tax adviser for further information.

4. Membership Rewards points can be transferred to the company’s Qantas Business Rewards account. A business must be a Qantas Business Rewards Member to earn Qantas Points. In order to transfer Qantas Points from a Qantas Business Rewards account to an individual’s Qantas Frequent Flyer account, the business account must have a balance of at least 3,000 Qantas Points. You must be a Qantas Frequent Flyer member to earn and redeem Qantas Points. A joining fee may apply. Membership and Qantas Points are subject to the Qantas Frequent Flyer program Terms and Conditions. We recommend you consult your accountant or tax adviser to ensure you understand possible tax implications, for example fringe benefits tax (if applicable).

5. Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit. Normal retailer Gift Card or voucher conditions apply, refer to the Gift Card or retailer website for details. Minimum redemption amounts apply.

6. The Centurion Lounge Network. Platinum Card Members have unlimited complimentary access to all locations of The Centurion Lounge. Platinum Card Members may bring up to two (2) companions into The Centurion Lounge. To access The Centurion Lounge, the Platinum Card Member must present The Centurion Lounge agent with the following upon each visit: a valid Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier and a government-issued I.D. Failure to present this documentation may result in access being denied. Card Members will not be compensated for changes in locations, rates or policies. A Platinum Card Member must be at least 18 years of age to enter without a parent or legal guardian. For locations with a self-service bar, the Platinum Card Member must be of legal drinking age in the location’s jurisdiction to enter without a parent or legal guardian. Must be of legal drinking age to consume alcoholic beverages. Please drink responsibly. American Express reserves the right to remove any person from the Lounge for inappropriate behaviour or failure to adhere to rules, including, but not limited to, conduct that is disruptive, abusive or violent. Access is subject to space availability. Hours may vary by location and are subject to change. Amenities vary among The Centurion Lounge locations and are subject to change. Services and amenities in the Lounge are complimentary, however you are responsible for any purchases and/or servicing charges you authorise our Member Services Professionals to perform on your behalf. Some American Express Cards are not eligible for all services provided by Member Services Desk. American Express will not be liable for any articles lost or stolen or damages suffered by the purchaser or visitor inside The Centurion Lounge. Use of The Centurion Lounge is subject to all rules and conditions set by American Express. American Express reserves the right to revise the rules at any time without notice.

    International American Express Lounges. Platinum Card Members have unlimited complimentary access to American Express Lounge locations. Guest access policies vary by location and are subject to change. To access American Express Lounges, the Platinum Card Member must present the agent with the following upon each visit: a valid Card and upon request, same-day airline ticket on any carrier and a government-issued I.D. Failure to present this documentation may result in access being denied. Platinum Card Members will not be compensated for changes in locations, rates or policies. American Express reserves the right to remove any person from a lounge for inappropriate behaviour or failure to adhere to lounge rules, including, but not limited to, conduct that is disruptive, abusive or violent. Access is subject to space availability. Amenities, services and hours of operation may vary among locations and are subject to change. Platinum Card Member must be at least 18 years of age to enter without a parent or guardian. Platinum Card Member must be 21 years of age to enter a lounge with a self-service bar, unless you are accompanied by a parent or legal guardian. American Express will not be liable for any articles lost or stolen or damages suffered by the purchaser or visitor inside American Express Lounges. Use of American Express Lounges is subject to all rules and conditions set by American Express. American Express reserves the right to revise the rules at any time without notice.

    Priority Pass: Your Priority Pass benefit is limited to lounge access only. Non-lounge airport experiences in the form of food and beverage credits at restaurants, cafes and bars are not available. To enjoy access to over 1,300 lounges in 130 countries, please visit americanexpress.com.au/platinumlounges and log in for a list of available lounges. These Terms and Conditions govern Platinum Card Members' participation in and use of the Priority Pass™ program. Priority Pass is an independent airport lounge access program. At any visit to a Priority Pass lounge, you will be automatically charged the guest visit fee equal to the visit fee of the Priority Pass Standard program for each guest. By enrolling in Priority Pass, you agree that you will be responsible for any additional accompanying guest visits and that your Card will be automatically charged after you have signed for the additional guest visit and it has been reported to Priority Pass by the participating lounge. Additionally, you acknowledge and agree that American Express will verify your Card Account number and provide updated Card Account information to Priority Pass. Priority Pass will use this information to fulfil on the Priority Pass program and may use this information for communications related to the program. The Card Member must enrol into Priority Pass. Once enrolled, Platinum Card Members in good standing may access participating Priority Pass lounges by presenting their Priority Pass card and airline boarding pass. In some lounges, the Priority Pass member must be 21 years of age to enter without a parent or guardian. Priority Pass members must adhere to all house rules of participating lounges. Amenities may vary among airport lounge locations. Conference rooms, where available, may be reserved for a nominal fee. Priority Pass lounge partners and locations are subject to change. All Priority Pass members must adhere to the Priority Pass Conditions of Use, which will be sent to you with your membership package and can be viewed at prioritypass.com. Upon receipt of your enrolment information, Priority Pass will send your Priority Pass card and membership package, which you should receive within 4-6 weeks.

7. A business must be a Qantas Business Rewards Member to earn TRIPLE Qantas Points for business. The TRIPLE Qantas Points for business are only available for an American Express Qantas Card Member when the Card is used to make an eligible Qantas flight booking. An eligible flight means a domestic or international flight which has a Qantas 'QF' flight number on the ticket that is purchased in Australia; is operated by Qantas, Emirates or American Airlines; has a ticket number commencing with '081'; and is booked and travelled for business on or after the date the business registers for Qantas Business Rewards. Exclusions apply. Triple Qantas Points for Business is not available in conjunction with any other rebate, Corporate Fares Agreement or discount arrangement with Qantas. A Member's ABN and traveller's Qantas Frequent Flyer number must be quoted at the time of booking to earn Qantas Points for both the business and the traveller. Qantas will allocate 3 times the number of Qantas Points to the business under the Qantas Business Rewards Airline Reward Scheme Terms and Conditions. The maximum number of Qantas Points that can be earned from flying by a business with the American Express Qantas Business Rewards Card is 4,000,000 per membership year as per the Triple Qantas Points for business benefit terms and conditions.

8. Company Business Rewards Benefits: A business must be a Qantas Business Rewards Program member to earn Qantas Points for business. The TRIPLE Qantas Points for business benefit is available only for companies with the American Express Qantas Corporate Card program when the Card is used to make an eligible Qantas flight booking. An eligible flight means a domestic or international flight which has a Qantas' 'QF' flight number on the ticket that is purchased in Australia; is operated by Qantas, Emirates or American Airlines; has a ticket number commencing with '081'; and is booked and travelled for business on or after the date the business registers for Qantas Business Rewards. Exclusions apply. Qantas will allocate 3 times the number of Qantas Points which will be awarded to the business under the Qantas Business Rewards Airline Reward Scheme Terms and Conditions. A one-off joining fee of $89.50 usually applies, however this will be waived for any business that has an existing American Express Qantas Corporate Card. Qantas Points earned on air travel are determined in accordance with the airline earn table. A Member's ABN and traveller's Qantas Frequent Flyer membership number must be quoted at the time of booking to earn Qantas Points for both the business and the traveller. Qantas Points earning thresholds apply as per the TRIPLE Qantas Points for business benefit Terms and Conditions. Membership of Qantas Business Rewards and the earning of Qantas Points as a business are subject to the Qantas Business Rewards Terms and Conditions.