Small Business Line of Credit from American Express.

Business Line of Credit from American Express

As your business expands, get the financing your growing business needs with a line of credit ranging from $10,000 up to $100,000. With a competitive APR, 100% cash access to your credit line, and no collateral needed, the Business Line of Credit from American Express can give you the financial flexibility you need to help your company grow.

Other advantages include:

Membership Rewards® points virtually every time you use your Card; use it to buy inventory and earn points faster
Periodic reviews to see if you've earned a line increase; your line can grow as your business grows
An easy application process that can be completed online

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Competitive Annual Percentage Rates

APR as low as Prime Rate + 1.99%, up to Prime Rate + 6.99%

Financing to Fit Your Needs

From $10,000 up to $100,000

Additional financial documentation is required for line sizes between $50K and $100K

Accessibility of Funds

From $10,000 up to $100,000, available as needed
Option to deposit up to 100% of credit line into business checking account to cover cash needs
Direct Draw service links your Line of Credit electronically to a verified business checking account so you can transfer funds online to your bank for use as soon as the next day

Membership Rewards

Earn Membership Rewards® points when you access your Line of Credit with your Card

Other Benefits

Access your line three different ways — free, business-size checks, a Business Line of Credit Card, and electronic funds transfer
Annual fee and any interest you pay may be tax deductible — please check with your tax advisor

Fees

$99 (for lines under $15,000) or $149 (for lines equal to or greater than $15,000)

Eligibility

We ask that your business be a minimum of two years old
It is also recommended that you be an American Express® Business Cardmember. See our Cards for small businesses.

Business Lines of Credit

Business Line of Credit from American Express