American Express

American Express is a nationally recognized commercial bank serving businesses across the United States, backed by more than 170 years of operating history. For small business owners, it offers a broad range of financing products — including lines of credit, term loans, equipment finance, construction finance, and commercial real estate financing — with funding available up to $10 million. Minimum credit score, revenue, and time-in-business requirements aren't publicly listed, so reaching out directly is the best way to gauge eligibility. Some business owners have reported frustration with transaction declines on otherwise healthy accounts, which is worth keeping in mind when evaluating the full banking relationship.