American ExpressⓇ Merchant Financing Icon

American ExpressⓇ Merchant Financing

American Express® Merchant Financing is best suited for established businesses which have a minimum 2 years in business and accept American Express Cards.

Common uses for Merchant Financing include capital improvements, business expansion, inventory management and other working capital needs. Merchant Financing has put billions of dollars in the hands of business owners, with over 60% of business owners coming back for a second loan.

Quick facts and Requirements

Loan Amount


Loan Term

1-2 Years

Payment Frequency



Fixed fee of 8% of the financed amount

Time to Funds

1 - 9 days

Benefits & Drawbacks

Convenient and cost effective access to working capital
Once approved, funds get deposited directly into your business bank account for your immediate use.
Repayment is automatic with no checks to write, and early repayment rebates can add even more value.
Merchant Financing is exclusively available to American Express® Card-accepting businesses.
Like other 1-2 year term loans, Merchant Financing may not be the ideal choice for shorter-term projects.

What is a Merchant Financing loan?

American Express® Merchant Financing is a one or two year term loan. Once approved, funds are deposited into your business bank account and the repayment is automatic via a transfer account or debit ACH.


Applicants will have to complete an application where underwriting will verify financial qualifications. The business must be an American Express® Card-accepting business. Qualifying does not mean you have been approved for a loan. Approval is based on a variety of factors, including financial information collected during the application process.

What type of businesses is Merchant Financing good for?

Merchant Financing is appropriate for businesses that have been in business for at least 2 years and currently accept American Express Cards. Merchant Financing has put billions of dollars in the hands of business owners, with over 70% of business owners coming back for a second loan.

What can I expect to pay?

With American Express® Merchant Financing, you pay a low, fixed fee, which ranges from 8%-14% per year. There are no loan origination or application fees.

How can I use a Merchant Financing loan to help my business?

Businesses like yours have used the funds to secure vendor discounts, hire new staff, and maintain cash flow. You can also use the funds to buy new equipment, start expansion projects, invest more in marketing and more.

*Terms & Conditions

American Express® Merchant Financing products are commercial loans, not purchases or discounting of receivables. This offer is being made by Lendio and will be referred to American Express Bank, FSB, for fulfillment. Merchant Financing loans are secured by business assets, excluding real property and motor vehicles. For loans $35,000 and below, a personal guaranty may be required. Qualification for Merchant Financing is based upon current status as an American Express merchant and meeting program criteria, available at Financing is not guaranteed. Fees for insufficient funds may also apply. This offer is not transferable. Additional terms and conditions apply. For more information, please call 1-844-452-2639.

Why use Lendio?

Lendio's mission is to empower your business by making small busienss loans simple through options, speed, and trust. Whether you are looking for an acquisition loan or a term loan, Lendio offers hundreds of different loan products from a variety of lenders. Finding out which business loan is best for you is why we're here.