American Express Merchant Financing

Learn more about American Express Merchant Financing for small business. Includes American Express Merchant Financing pricing, company information, and FAQs.

Updated on July 1st, 2019

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American Express Merchant Financing offers fixed fee business loans to all merchants who accept American Express cards.

Pricing:

Loan Type

Loan Amount

Interest Rates

Payment Term

Commercial Loan

$5,000 - $2,000,000

1.75% - 8.00%

6 months

Commercial Loan

$5,000 - $2,000,000

3.5% - 12.00%

12 months

Commercial Loan

$5,000 - $2,000,000

7.00% - 20.00%

24 months

American Express Merchant Financing Reviews
Review:

Pros: No origination fee, early repayment rebate of up to 25%, competitive rates, and terms.

Cons: Not suited for start-ups or businesses that can't afford daily payments.

Bottomline: Good option for small businesses seeking high loan amounts.

Key Information:

Co-Founders

Henry Wells, William G. Fargo, John Butterfield

Founded

1850

Headquarters

New York, NY

Number of Employees

55,000

CEO

Stephen Squeri

Phone Number

+1 212-640-2000

Address

World Financial Center, 200 Vesey Street, New York, NY 10285

Website

merchantfinancing.americanexpress.com

News & Activity:

Date

News or Activity

January 17, 2019

American Express Reports Fourth Quarter Earnings Per Share of $2.32 and Full Year EPS of $7.91

October 11, 2018

American Express Early Pay Offers Flexible, Cost-Effective Supplier Payment Options

FAQs:

What is American Express Merchant Financing?

It's a short-term financing option that’s offered to small businesses that accept Amex credit card payments. Created similar to a merchant cash advance, the American Express merchant financing option is paid back through a daily percentage of your business's credit card revenues.

Learn more about American Express Merchant Financing.

Are American Express loans good?

It depends on your loan needs. American Express offers different loan types with payment terms ranging from 6 - 24 months.

See a review of American Express Merchant Financing

Does American Express offer loans?

Yes, American Express does offer loans.

See our full pricing table for more options.

What is the price range for American Express business loans?

American Express Merchant Financing interest rates range from 1.75% to 20.00% depending on your loan amount and payment term. There are no origination fees, and if you pay back your loan early, you can get a rebate of up to 25% of your loan fee.

View American Express full pricing.

Does American Express offer business loans?

Yes, American Express offers small business loans from $5,000 to $2 million, based on your general business performance and how much your business is able to bring in.

Are American Express business loans secured?

Yes. American Express business loans are secured by business assets, excluding property and motor vehicles. Merchant Financing is not a purchase or discounting of receivables or a cash advance.

How does American Express Merchant Financing work?

American Express will send you a quote, including your fixed fee and repayment options. Business owners can then apply and the credit provider will make a decision. Once approved, your loan will be deposited in full directly into your business bank account. Repayment options include daily automatic debits via ACH over the course of your term or a daily withholding of a percentage of your business’s credit and debit card receivables.

Can you suggest some alternative sites to American Express Merchant Financing?