Get to know American Express® Merchant Financing.

We know that running a business can be full of surprises. That’s why when you need extra capital to keep your business running smoothly, you need financing made simple.

American Express Merchant Financing products are small business loans between $5,000 and $2,000,000 exclusively for eligible businesses that accept American Express® Cards. You benefit from a fixed fee – not an interest rate – and daily automatic repayment. These loans are offered in 6, 12 and 24-month terms and are secured by business assets, excluding real property and motor vehicles.

Advertiser Disclosure: The product that appears on this site is from a company from which Clearent receives compensation. Clearent does not participate in all merchant financing offers available in the marketplace. Review additional terms and conditions here.

Our promise to you

  • Fixed fee, no interest approval rate
  • Quick & easy approval process
  • No origination fee

Inside American Express Merchant Financing

Get Your Cash and Get Back to Business

There’s no origination fee, and you can use the funds as you see fit for business purposes. Expand your product line, stock up for the busy season, build a financial safety net or take advantage of a bold new opportunity.

man in front of deli

Know Your Total Repayment Up Front

Instead of paying an interest rate, you’ll pay a fixed fee based on your loan amount. It’s clear and simple right from the beginning.

parent and kid paying merchant

Automatically Make Small Daily Payments

Repay your loan automatically each day with a percentage of your credit and debit card receivables or from your business bank account. Merchant Financing is not a purchase or discounting of receivables or a cash advance.

woman at register holding receipt

Save Money by Repaying Your Loan Early

If you pay off your loan early, you might be eligible for a rebate up to 25% of your fixed fee.

Renew and Keep Your Business Moving

Once you repay at least 50% of your loan, you may be eligible for more money. If approved, you’ll get your new funds as soon as your existing balance is paid off.

Get Quick and Easy Approval

Apply online or through your Clearent representative. American Express will review your information to determine your loan terms. Once approved, you’ll get your money in a few business days!

Take the Next Step

Get the funds you need to say yes to your next big idea. We’ll show you how with American Express Merchant Financing.

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Next Day Funding Guide