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 February 23rd, 2022

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


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

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:

Legal Name

American Express Company


William George Fargo

Founding Date

Mar 18, 1850


200 Vesey Street, 50th Floor, New York, NY 10285 United States

Number of Employees


Number of Customers



1 (855) 298-1209



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.

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.

Does American Express offer loans?

Yes, American Express does offer loans.

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.

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?