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American Express Business BlueprintTM
American Express® Business Line
of Credit
American Express® Business Checking
American Express® Payment Accept
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FAQs
What is American Express Business Blueprint™?
American Express Business Blueprint™ is a new digital cash flow management hub designed exclusively for small businesses, which features cash flow insights, digital financial products, and an easy way to reach and manage Business Cards.
What is American Express® Business Line of Credit?
An American Express® Business Line of Credit is a line of credit extended to a business which has first applied for and been approved. Once approved, the business is assigned a specific line amount which is subject to change. The business has flexible access to the funds and can draw (“take a loan”) from the line as often as needed up to the available line amount.
Each draw is a separate installment loan. The borrower is required to make monthly payments, each of which includes a loan fee. After the borrower repays an outstanding balance, the borrower may see the line replenish, subject to ongoing review of the overall financial profile of the borrower and the borrower’s business, including history with American Express and other financial institutions, credit history, and other factors.
How do I open a Business Checking account?
You can apply for an American Express® Business Checking account online in as little as 10 minutes. You’ll need to answer a few basic questions about your business including your industry, revenue, and how you plan to use your online business checking account, and you will need to provide an Employee Identification Number (EIN) or Taxpayer Identification Number (TIN) and documentation to prove you are a registered business. If you’re approved for an account, you’ll be able to link an existing bank account, deposit funds, and begin making transactions.
Learn more about Business Checking.
How do I sign up for Business Blueprint, and is there a cost?
If you have American Express credentials (user ID and password), you can use these to sign up for and access Business Blueprint. If you don’t have American Express credentials, you’ll need to follow the online sign-up and fill out a simple form. There is no application processing fee, no fee to access or use the Business Blueprint platform, and no fee to receive cash flow insights from the platform. Other American Express products on the Business Blueprint platform have their own application processes, fees, and eligibility requirements.
Why do I need to connect my business bank account?
We use the connection to your business bank account to determine your eligibility for credit. We ask that you connect your business bank account(s) online so we can assess your business performance information quickly and in an automated way, saving you the hassle of preparing financial statements.
How quickly can I get my loan funds?
Once an American Express® Business Line of Credit application is completed and approved, you will select your loan amount and loan terms, sign the loan agreement, and funds will be deposited into the verified business bank account you designated for disbursement. Funds may take 1 to 3 business days to process and post, depending on your bank.
What are the benefits of a Business Checking account?
American Express® Business Checking offers benefits for businesses such as:
- Competitive annual interest rate.
- No monthly account maintenance fees.
- No minimum balance requirement.
- Simple online account management with no branches, tellers, or lines.
- Personalized customer service with real, live people.
- Use your Business Debit card for purchases, ATM cash withdrawals and balance inquiries.
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Terms, conditions, features, availability, pricing, fees, service and support options subject to change. American Express® Business Line of Credit loans are issued by American Express National Bank.
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The information provided through My Insights does not constitute legal, tax, financial or accounting advice, and should not be considered a substitute for obtaining competent personalized advice from a licensed professional. You should seek professional advice before making any decision that could affect the financial health of your business.