American Express® Business Line of Credit
Read our FAQs and detailed guides to learn more about using your Business Line of Credit.
Pricing and line of credit decisions are based on the overall financial profile of you and your business, including your history with American Express and other financial institutions, your credit history, and other factors. To determine the amount of your Business Line of Credit, we review information about you and your business through data sources such as your business’s bank account(s), your prior credit, and your repayment history, as well as additional information from your consumer credit report and your company’s commercial credit report. We analyze your average monthly revenue, time in business, and transaction volume, among other metrics, to assess your business’s financial performance. We also use the linked accounts you have added for transfers and transactions as part of this review. Although we use the accounts you have linked in our review, your cash flow data as it appears in Insights (whether it is current or not) is not a consideration for your Business Line of Credit status or applications for other products.
Remember, disruptions of ongoing access to your linked accounts may cause account suspension or line decrease. Be sure that all bank accounts that reflect your business’s revenue remain linked.
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TERMS AND CONDITIONS
American Express® Business Line of Credit, and American Express® Payment Accept are trademarks of American Express.
With American Express Business Blueprint™, customers can view their select business products that automatically appear on their dashboard at login. These products include American Express® Business Line of Credit, American Express® Business Checking, American Express® Payment Accept, and American Express® Business Credit Cards. Customers may also view the eligible external business bank and card accounts they choose to link to Business Blueprint.
Data insights provided through American Express Business Blueprint™ are based on customers' select business products, which include American Express® Business Line of Credit, American Express® Business Checking, American Express® Payment Accept, American Express® Business Credit Cards, and the eligible external business bank and card accounts that customers choose to link to Business Blueprint.
The data insights provided through American Express Business Blueprint™ do not constitute legal, tax, financial or accounting advice, and should not be considered a substitute for obtaining competent personalized advice from a licensed professional. You should seek professional advice before making any decision that could affect the financial health of your business.
The American Express Business Blueprint™ dashboard uses API connections to access, and then aggregate and analyze, data from the eligible external business bank and card accounts that customers choose to link. Customers can disable linked external accounts from Business Blueprint at any time. Some data may be delayed due to extenuating circumstances, such as the business account's connection to American Express Business Blueprint™ or issues with other API connections.
Terms, conditions, features, availability, pricing, fees, service and support options subject to change. American Express® Business Line of Credit loans are issued by American Express National Bank.
We are currently accepting applications from eligible U.S. businesses. Not all applicants will be approved for a Business Checking account. To learn more about Business Checking, including eligibility, visit https://www.americanexpress.com/en-us/business/checking/.
American Express® Business Checking is offered by American Express National Bank. Member FDIC.
Membership Rewards® Program
Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice. The value of Membership Rewards® points varies according to how you choose to use them. To learn more, go to www.membershiprewards.com/pointsinfo
Kabbage Payments, LLC is a registered Payment Source Provider/Payment Facilitator sponsored by Fifth Third Bank, N.A., Cincinnati, OH.