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Highlight Overview

Loan Period

6/12/24 months

Loan Range

$5,000 - $2,000,000


  • Automatic daily repayments
  • Fixed percentage, no interest rate
  • Early repayment rebate


  • Only merchants that accept AMEX
  • Need to be in business at least 24 months
  • Collateral required

Bottom Line

American Express Merchant Financing offers flexible loans to eligible businesses that accept American Express cards

Check if you Qualify for a American Express loan

Get American Express Loan

Full Review

Merchant financing offers the flexibility of merchant cash advances but has better rates and actually functions as a business loan. Another key difference is that merchant financing generally requires collateral. 

American Express Merchant Financing is available to all eligible businesses that accept American Express and provides fixed-fee loans with automatic daily repayments that best suit your business. The company calculates your repayments as a fixed percentage of your daily credit or debit card sales, so repayments align with the ebb and flow of your sales. The more you sell the higher your repayments for the day, but on the flip side, on a day with low sales you’ll get to repay less.

What We Like Best

  • Fixed percentage, no interest
  • Early repayment rebate
  • Automatic daily repayments
  • Financing from reputable credit company

Loan Features

Type of Loan: Merchant financing
Loan Amount: $5,000-$2,000,000
Term of Loan: 6/12/24 months

Requirements for Loan

  • Accept American Express card 
  • Minimum of $50,000 in annual business revenue
  • Minimum of $12,000 in annual credit and debit receivables
  • Business operating for at least 24 months
  • Not all industries are eligible

Application Process

You can apply online for American Express Merchant Financing and, just like a merchant cash advance, you can usually receive your funds really quickly. 

Safety & Security

Being a product of American Express, you can rest assured that your personal and financial data is protected by the top encryption and data protection protocols.

Bottom Line

If your business accepts American Express credit or debit payments, then their Merchant Financing product could provide you with quick, flexible financing with reasonable repayments.


Please note that all information provided in this review is accurate at the time of publication and is subject to change. The information contained in this review is provided for informational purposes only, should not be construed as legal advice on any subject matter and should not be relied upon as such. The reviewer accepts no responsibility for any consequences whatsoever arising from the use of such information.

Quick Facts About American Express

Over 70% renewal rate
More affordable than Merchant Cash Advance

Get a American Express Business Loan Quote

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