How do I apply for a Business Line of Credit? Make your application process smoother by preparing these items in advance. So that we can assess your eligibility for a Business Line of Credit, you will need to provide some basic information, including:

 

Understanding Business Funding

A business line of credit provides flexible access to business funding, allowing you to draw as needed from your credit line up to your available line amount. You draw funds from the line in the form of individual loans.‡ With some lines of credit, like American Express® Business Line of Credit, you can have more than one outstanding loan at one time, up to your approved line size.

As repayments are made, the amount of funds available replenish, allowing you to make additional draws. Note that your line could be adjusted by a lender at any time based on many factors, like your business' health.

A business line of credit can open up possibilities and adapt to your unique business demands. You can hire seasonal help or offer signing bonuses to attract top talent, update equipment or order supplies, or stock up on additional inventory when prices are low. You could also consider using it to smooth out gaps in your cash flow.

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SMALL BUSINESS CARD MEMBERS

You may be pre-approved for an American Express® Business Line of Credit. Sign in and follow a few straightforward steps to find out.

Check pre-approval status

Focus on growth with an American Express® Business Line of Credit

American Express® Business Line of Credit offers line sizes from $2,000 to $250,000. Initial line sizes above $150,000 are only available to select borrowers who have a pre-existing American Express relationship and meet other criteria.