Get access to short-term cash in just minutes — but only for current Amex Business Card holders.

  • Best for business owners who need help paying their vendors during slow seasons.
  • Pick something else if you don’t have at least six months of account history on your Amex Business Card.


    Min. Amount



    Product Name Amex Working Capital Terms program
    Min. Amount $500
    Max. Amount $150,000
    Loan Term 30, 60 or 90 days
    Requirements Amex Business Card holder for 6+ months, at least 1 US-based vendor, linked business bank account

    Application Criteria

  • American Express Business Card holder for at least six months
  • Identified at least one US-based vendor
  • Linked to at least one business bank account

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