Line of credit
How business line of credit works- Amounts
- $2K–$250K
- Price
- Fee 0.55%–1.55% (monthly fee on the amount borrowed)
- Term
- 6–24 months
- Repayment
- Monthly
- Minimums
- Credit 660+ · Time in business 1 year · Revenue $3K/mo
- Speed
- 1 to 3 business days to process and post
- Fees
- Monthly loan fee of 0.55% to 1.55% of the amount borrowed for each month a loan has a balance. Fees not yet posted are waived when a loan is repaid early. Late fees may apply.
- Collateral
- Required
- Personal guarantee
- Required
Sources (22)
Loans are issued by American Express National Bank.
americanexpress.com/en-us/business/blueprint/terms-and-conditio… · checked 2026-09-30American Express® Business Line of Credit offers line sizes from $2,000 to $250,000.
americanexpress.com/en-us/business/blueprint/business-line-of-c… · checked 2026-09-30American Express® Business Line of Credit offers line sizes from $2,000 to $250,000.
americanexpress.com/en-us/business/blueprint/business-line-of-c… · checked 2026-09-30Currently, the monthly loan fees may range from 0.55% to 1.55% of the total amount borrowed
americanexpress.com/en-us/business/blueprint/terms-and-conditio… · checked 2026-09-30charged this monthly fee instead of an interest rate that is charged on some other loan products
americanexpress.com/en-us/business/blueprint/help-center/busine… · checked 2026-09-30Currently, the monthly loan fees may range from 0.55% to 1.55% of the total amount borrowed
americanexpress.com/en-us/business/blueprint/terms-and-conditio… · checked 2026-09-30Currently, the monthly loan fees may range from 0.55% to 1.55% of the total amount borrowed
americanexpress.com/en-us/business/blueprint/terms-and-conditio… · checked 2026-09-30Installment loans incur a loan fee for each month you have an outstanding balance.
americanexpress.com/en-us/business/blueprint/help-center/busine… · checked 2026-09-30If you repay the total principal of an installment loan early, you will not be required to pay the loan fees that have not posted for subsequent months
americanexpress.com/en-us/business/blueprint/terms-and-conditio… · checked 2026-09-30Late fees may be assessed.
americanexpress.com/en-us/business/blueprint/help-center/busine… · checked 2026-09-30After receiving a disbursement of funds from your line of credit you will begin to receive a monthly invoice to make repayments.
americanexpress.com/en-us/business/blueprint/business-line-of-c… · checked 2026-09-30With 6, 12, 18 and 24 month installment loans, there are funding options designed to fit your timelines.
americanexpress.com/en-us/business/blueprint/business-line-of-c… · checked 2026-09-30With 6, 12, 18 and 24 month installment loans, there are funding options designed to fit your timelines.
americanexpress.com/en-us/business/blueprint/business-line-of-c… · checked 2026-09-30Have a FICO score of at least 660* at time of application
americanexpress.com/en-us/business/blueprint/business-line-of-c… · checked 2026-09-30Have been in business for at least 12 months
americanexpress.com/en-us/business/blueprint/help-center/busine… · checked 2026-09-30Have started your business at least a year ago
americanexpress.com/en-us/business/blueprint/business-line-of-c… · checked 2026-09-30Have recent average monthly revenue of at least $3,000
americanexpress.com/en-us/business/blueprint/business-line-of-c… · checked 2026-09-30All loans are subject to credit approval, are secured by assets of the borrower, require a personal guarantee, and may be subject to late fees.
americanexpress.com/en-us/business/blueprint/terms-and-conditio… · checked 2026-09-30All loans are subject to credit approval, are secured by assets of the borrower, require a personal guarantee, and may be subject to late fees.
americanexpress.com/en-us/business/blueprint/terms-and-conditio… · checked 2026-09-30Funds may take 1 to 3 business days to process and post, depending on your bank.
americanexpress.com/en-us/business/blueprint/business-line-of-c… · checked 2026-09-30Funds are typically available within seconds, but may take longer to post due to unexpected issues.
americanexpress.com/en-us/business/blueprint/business-line-of-c… · checked 2026-09-30If eligible, you can be approved in minutes for a line of credit from $2,000 to $250,000
americanexpress.com/en-us/business/blueprint/terms-and-conditio… · checked 2026-09-30