American Express Merchant Financing

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

5 min read • Last updated on October 22nd, 2018

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

American Express Merchant Financing Key Info Table:

Co-Founders

Henry Wells, William G. Fargo, John Butterfield

Founded

1850

Headquarters

New York, NY

CEO

Stephen Squeri

Number of Employees

55,000

Phone Number

1 (855) 298-1209

Address

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

Website

merchantfinancing.americanexpress.com

American Express Merchant Financing Pricing:

Loan Type

Loan Amount

Interest Rates

Payment Term

Commercial Loan

$5,000 - $2,000,000

1.75% - 5%

6 months

Commercial Loan

$5,000 - $2,000,000

3.5% - 12%

12 months

Commercial Loan

$5,000 - $2,000,000

7% - 20%

24 months

American Express Merchant Financing FAQs:

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.

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’ credit and debit card receivables.

Are there any American Express Merchant Financing reviews?

At this time, there are no American Express Merchant Financing reviews.