5% OFF American Express Merchant Financing Coupons & Discounts May 2025

American Express Merchant Financing is a financing option for small businesses that accept American Express cards as a form of payment. It offers quick and convenient access to funds, allowing businesses to invest in growth opportunities or manage cash flow.The financing option is provided in the form of a loan, with repayment terms ranging from 6 to 24 months. The loan amount is determined based on the business's annual American Express card sales volume, creditworthiness, and other factors.One of the key features of American Express Merchant Financing is its flexible repayment structure. Instead of fixed monthly payments, businesses can repay the loan through an automatic daily percentage deduction from their American Express card transactions. This means that repayments fluctuate based on sales volume, with higher deductions during periods of increased sales and lower deductions during slower periods.Another benefit is the simplified application process. Businesses can apply online and receive a decision within minutes. If approved, funds are typically available within one or two business days.American Express Merchant Financing also offers competitive interest rates and no upfront fees or collateral requirements. The loan can be used for various purposes, such as purchasing inventory, investing in equipment or technology upgrades, funding marketing campaigns, or managing short-term cash flow needs.Overall, American Express Merchant Financing provides small businesses with a flexible and accessible financing solution that aligns with their card-based payment structure and helps support their growth objectives.

The main products offered by American Express Merchant Financing are short-term business loans and merchant cash advances.