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American Express Business BlueprintTM offers access to a business line of credit between $2,000 to $250,000. Borrowers with a minimum credit score of 640¹ can take out a business loan with flexible repayment terms, depending on eligibility.
Summary: American Express® Business Line of Credit are a great option for business owners with fair credit¹, no-prepayment penalties, and no origination fees.
Loan Application
Loan Purpose
Loan Terms, Fees, & Rates
Repayment Options
Industry Restrictions
Customer Service
Safe & Secure
| HQ | Atlanta, Georgia | |
| Monthly Fee | – 3-9% for 6-month loans – 6-18% for 12-month loans – 9-27% for 18-month loans | |
| Loan Amount | $2,000 – $250,000 | |
| Loan Terms | 6, 12, or 18 months | |
| Interest Rate Type | Monthly fee | |
| Loan Security | Secured | |
| Collateral Requirements | Business assets | |
| Min. Credit Score | 640¹ | |
| Avg. Monthly Revenue | at least $3,000 | |
| Time In Business | 12+ months | |
| Turnaround Time | Funds are deposited into your account within 1 – 3 business days | |
| State Restrictions | Available in all States |
American Express® Business Line of Credit offers a line of credit where the amount available for you to borrow is dependent on several factors including:
Borrowers that require cash due to a cash flow shortfall or have a less than perfect credit score¹ could benefit from a loan with American Express Business BlueprintTM, provided eligibility requirements are met. Plus, there are no prepayment fees or origination fees for the loan.
American Express® Business Line of Credit adopts a seamless business credit line application process. You can apply for funding and receive funds into your account. It’s a good idea to have the following information on hand during the application:
In order for an application to be approved, a prospect must meet minimum criteria, including but not limited to:
Assuming you meet the eligibility requirements and provide all necessary information. If additional information is required, such as verification of identity, then it may take longer to receive approval.
All businesses are unique and are subject to approval and review.
While American Express® Business Line of Credit does not disclose a list of what you can use the loan for your business, a business line of credit can be used for some of the following activities:
American Express® Business Line of Credit offers a commercial line of credit between $2,000 to $250,000 where a monthly fee is incurred to cover the cost of borrowing. Total monthly fees are dependent on various factors including the term of the loan, the borrower’s creditworthiness, and history with American Express. Typically the monthly fees incurred are:
Not all borrowers will be eligible for the lowest fee and not all term lengths are available to all customers. All loans are secured by business assets.
There are no origination fees or prepayment fees. However, a late payment fee can apply if you do not make your payment by the scheduled payment date. Late payment fees range from $10 to $100 depending on the aggregate outstanding balance of the loan listed on the monthly statement.
Borrowers can have one or more outstanding loans provided that the amounts do not exceed the approved line of credit. Fees only apply to the loan amount, not the full line of credit.
You can make repayments via ACH. Repayments are automatically debited from your primary repayment account once a month.
Manual repayments can be made at any time through your online account dashboard. You can also view any upcoming repayments on the activity tab.
Each month’s repayments will include a portion of the loan principal and the monthly fee applicable to the loan.
There are several industry restrictions when applying for a business line of credit. Some industries include:
You can view a complete list of prohibited industries with American Express® Business Line of Credit on their website.
To get in touch with American Express® Business Line of Credit, you can call 888-986-8263 from Monday to Friday, 8 am – 9 pm EST. Alternatively, you can email American Express® Business Line of Credit at support@americanexpress.com.
The mailing address is:
American Express Business BlueprintTM
730 Peachtree Street NE
Suite 1100
Atlanta, GA 30308
According to Trustpilot, American Express Business BlueprintTM has an average rating of over 6400 reviews. Positive reviews report that the service is reliable, while less favorable reviews report difficulty communicating with customer service. It’s important to note that some reviews refer to the customer service related to other financial products such as checking accounts and therefore may not apply to business loans.
American Express Business BlueprintTM uses industry-standard information security practices. It also maintains confidentiality for your information. Your data is not sold to third parties and your personal information is verified when you call them.
American Express® Business Line of Credit is a great option for business owners that require a line of credit to meet cash flow shortfalls or cover unexpected business expenses. The application process is seamless and you could have funds deposited into your account within 1 – 3 business days.
While it has a minimum credit score of 640¹, additional factors such as your business performance and history with American Express are also taken into consideration during the loan application process.
Where American Express Business BlueprintTM falls short are the shorter repayment terms. Borrowers looking to access financing over a longer period should consider alternative lenders. In addition, borrowers that are unlikely to meet scheduled payment dates should review the late payment fees applicable, as these could increase your cost of borrowing over time.
¹All businesses are unique and are subject to approval and review.
