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BreadRoute Review

American Express

|Commercial Bank|United States
Up to $10 Million
Loan Amount
No Minimum Time in Business
Time in Business

Our American Express Review

4.0/ 5.0How we rate

At American Express, we know that with the right backing, people and businesses have the power to progress in incredible ways. Whether we’re supporting our customers’ financial confidence to move ahead, taking commerce to new heights, or encouraging people to explore the world, our colleagues are constantly striving to uphold our powerful backing promise to our customers and each other every day.

Who Is American Express Best For?

Based on eligibility requirements and available products.

  • Businesses where credit score is not a primary factor
  • Startups and early-stage businesses with variable revenue
  • New businesses with limited operating history
  • Businesses that need equipment or machinery financing

Financing Options

Equipment Finance
Construction Finance
Commercial Real Estate Financing
Line of Credit
Term Loan

Eligibility Requirements

Time in Business
No Minimum Time in Business

Quick Overview

Loan AmountUp to $10 Million
GeographyUnited States
DoughRating
Products5

American Express Pros & Cons

Pros

  • No minimum credit score requirement
  • No minimum monthly revenue required
  • Startup-friendly no seasoning requirement
  • Lends nationwide
  • High loan amounts available
  • Wide range of financing products

Frequently Asked Questions

American Express offers financing in the range of Up to $10 Million.

American Express does not apply a strict minimum credit score requirement, making it accessible to a wider range of businesses.

American Express offers the following financing products: Equipment Finance, Construction Finance, Commercial Real Estate Financing, Line of Credit, Term Loan.

American Express requires a minimum of No Minimum Time in Business in business. Newer businesses may want to explore alternative lenders with lower seasoning requirements.

American Express provides financing to businesses across the United States.

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American Express Review (2026) | Equipment Finance Lender | BreadRoute