You may be pre-approved!
If you're pre-approved, you'll see the price and line size currently available to you before you apply.
Business Line of Credit
offers line sizes from $2,000 to $250,000.
Only select customers receive initial line sizes over $150k.
What's required to apply?
To submit your Business Line of Credit application, you must meet the minimum requirements, including but not limited to:
Be At least 18 years of age
Have started your business at least a year ago
Have a FICO score of at least 660* at time of application
Have recent average monthly revenue of at least $3,000
All businesses are unique and are subject to review and approval.
*The required FICO score may be higher based on your relationship with American Express, credit history, and other factors.
How do I apply for a Business Line of Credit?
Make your application process smoother by preparing these items in advance.
So that we can assess your eligibility for a Business Line of Credit, you will need to provide some basic information, including:
- Your business Tax ID (EIN) number
- Your social security number
- The industry of your business
- An estimated annual gross revenue for your business
You will also need to link a business bank account to your application.
You can follow these step-by-step instructions to help you link a bank account.
Reasons to apply for an American Express®
Business Line of Credit
To submit your Business Line of Credit application, you must meet the minimum requirements, including but not limited to:
Quick application
Apply online in minutes.‡ When you connect your business accounts to the application, your financial info is reviewed in real time for an efficient decision.
Flexible funding options
With short term single repayment loans and long term installment loans, there are funding options designed to fit your timelines.
Instant deposits
When you draw from your Business Line of Credit and select Amex® Business Checking as your deposit account, your funds are deposited immediately.*
*Funds are typically available within seconds, but may take longer to post due to unexpected issues.
Loan Terms
Installment Loans
Loan Terms
Single Repayment Loans
You must already have a select American Express product to receive single repayment loans as a funding option.
Get to know installment loans
With installment loans, when you draw from your line (up to your available limit), you repay the principal plus the total loan fee in monthly installments over a 6, 12, 18, or a 24 month period.
Installment loan funds can be deposited into a business bank account or sent directly to a U.S. based vendor to help support a variety of business needs, such as purchasing new equipment or investing in new marketing campaigns to grow your business.
* All loan term types, loan term lengths, and pricing are subject to eligibility.
The actual number of days you have to repay your loan is determined by the date on which you take out your loan. Repayment dates and details are set out in your repayment schedule and available to review in advance of taking a loan. For example, a 1-month loan could provide approximately 21 to 51 calendar days of financing.
Hello, American Express® card members,
A pre-approved offer may be
waiting for you.
If you're pre-approved, you'll see the price and line size currently available to you before you apply.
Understanding Business Funding
A business line of credit provides flexible access to business funding, allowing you to draw as needed from your credit line up to your available line amount. You draw funds from the line in the form of individual loans.‡ With some lines of credit, like American Express® Business Line of Credit, you can have more than one outstanding loan at one time, up to your approved line size.
As repayments are made, the amount of funds available replenish, allowing you to make additional draws. Note that your line could be adjusted by a lender at any time based on many factors, like your business' health.
A business line of credit can open up possibilities and adapt your unique business demands. You can hire seasonal help or offer signing bonuses to attract top talent, update equipment or order supplies, or stock up on additional inventory when prices are low. You could also consider using it to smooth out gaps in your cash flow.
Have questions about American Express® Business Line of Credit?
Check out our FAQs for more information about how a small business line of credit with American Express® works.
American Express® Business Line of Credit offers line sizes from $2,000 to $250,000. Initial line sizes above $150,000 are only available to select borrowers who have a pre-existing American Express relationship and meet other criteria.
Yes, American Express obtains reports from consumer reporting agencies. American Express will also report your funding account payment status to consumer credit reporting agencies in accordance with the loan agreement.
The fee is calculated and determined within the documented fee ranges based on the underwriting analysis and creditworthiness and other factors.
The fee structure works like this: the fee is higher in the first months of the loan term and lower in the final months.
You're only charged loan fees during the months you have an outstanding balance. Plus, there are no prepayment penalties — you can pay off your loan at any time.
To help you budget with confidence, you'll see your monthly fees and the payment due dates for the loan term before you take out a loan.
6-month loan term: Fee is higher in the first two months and lower in the final four months.
12-month loan term: Fee is higher in the first six months and lower in the final six months.
18-month loan term: Fee is higher in the first nine months and lower in the final nine months.
24-month loan term: Fee is higher in the first twelve months and lower in the final twelve months.
To link an external bank account, follow this guide.
Once an American Express® Business Line of Credit application is completed and approved and after you draw on the line of credit and sign the loan agreement, funds are sent to the verified business bank account you designate for disbursement (this may or may not be the same as your autopay account, depending on the settings you choose). Funds may take 1 to 3 business days to process and post, depending on your bank.
- After receiving a disbursement of funds from your line of credit you will begin to receive a monthly invoice to make repayments. Depending on your cycle date this may be as early as 21 days from disbursement or as long as 51 days after disbursement.
- Each month you will be billed for a portion of your loan principal, plus a loan fee, any late fees (if applicable), any prior minimum monthly payment(s) remaining unpaid, and any billed but unpaid fees. Your business' loans incur a loan fee every month you have an outstanding balance.
- You'll always know your repayment schedule in advance, and can find more complete details here.
American Express® Business Line of Credit loans are issued by American Express National Bank.
“American Express® Business Line of Credit helped us grow in the best possible way.”
Maria Rondeau
Area Celeste LLC
Real American Express® Business Line of Credit customer aware that this testimonial may be featured.
More resources to help fuel your growth
What is a Business Line of Credit and How Does it Work?
Learn the basics of what a line of credit is and how it can be used to provide additional funding for your business.
Small Business Loans and Lending
Develop an understanding of the differences between funding options and identify the situations best suited for each.
Business Line of Credit vs. Credit Cards.
Explore the similarities and differences between the options, and learn how to effectively use both to help your business thrive.
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