American Express Business Line of Credit Review for 2026

Summary

American Express Business Line of Credit Review (previously Kabbage) (2026), a Finder article by Christi Gorbett, edited by Megan B. Shepherd and updated February 8, 2026. It states that the line of credit offers amounts from $2,000 to $250,000, with each draw becoming a short-term loan repaid in 6, 12, 18 or 24 months and a fixed monthly financing fee instead of an APR. The article lists qualification requirements of a minimum FICO score of 660, at least a year in business and average monthly revenue of at least $3,000, and states that a personal guarantee is required. It also reports Better Business Bureau and Trustpilot ratings and states that no origination fees, application fees, annual fees or prepayment penalties apply.

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American Express® Business Line of Credit Review (previously Kabbage) (2026)

By Christi Gorbett

Edited by Megan B. Shepherd

Updated

Feb 8, 2026

Fact checked

8

Finder Score

Great

American Express® Business Line of Credit isn't available on Finder right now.

Min. Amount

$2,000

Max. Amount

$250,000

APR

N/A

Our verdict

Access up to $250K with minimal paperwork required, but expect a personal guarantee and short repayment terms.

The American Express Business Line of Credit (formerly Kabbage Funding) offers small businesses quick access to funds with a doc-free application if you link your business accounts. Each draw becomes a short-term loan with a flat monthly fee instead of interest. But it requires a personal guarantee, and its complicated fee structure makes it difficult to compare to other lenders.

Best for: Fair credit borrowers in need of a no-doc business line of credit.

Pros

- Considers credit scores as low as 660
- Straightforward application with minimal paperwork
- No prepayment penalties or origination fees

Cons

- Requires a personal guarantee
- Complex fee structure
- Limited customer reviews and feedback

In this guide

- Our verdict
- Your reviews
- Ask a question

Is American Express legit?

Yes, American Express is a global leader in credit cards and other financial products. Its business lines of credit are issued by American Express National Bank, which is recognized by the Federal Deposit Insurance Corporation. It employs advanced fraud protection systems and smart technology to help protect its customers and offers 24/7 emergency phone assistance.

However, it hasn’t been without its issues. In 2012, the Consumer Financial Protection Bureau ordered Amex to pay more than $85 million to customers harmed by its illegal credit card practices across three subsidiaries. There are also numerous complaints on the Better Business Bureau (BBB) and Trustpilot websites about the company’s poor customer service.

How American Express Business Line of Credit compares to other lenders

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What is the Finder Score?

The Finder Score crunches 12+ types of business loans across 35+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.

To provide a Score, we compare like-for-like loans. So if you're comparing the best business loans for startups loans, you can see how each business loan stacks up against other business loans with the same borrower type, rate type and repayment type.

Read the full breakdown

What makes the American Express Business Line of Credit shine?

The American Express Business Line of Credit stands out for its quick application process and fast funding turnaround, making it a great option for businesses that need a low doc loan offering access to cash without a lot of paperwork. Since Amex verifies your business revenue by linking to your bank accounts, you can skip uploading financial statements or tax returns.

The minimum qualifications are fairly easy to meet, too. Borrowers with a credit score of 660+, at least a year in business and $3,000 in average monthly revenue typically qualify. These lenient qualifications make funding more accessible to business owners who may not meet the stricter requirements of traditional bank loans.

Another advantage is the lack of extra fees beyond the fixed monthly financing charge. Unlike some lenders, American Express doesn’t charge origination fees, prepayment penalties, annual fees or maintenance fees on its business line of credit.

Where the American Express Business Line of Credit falls short

One of the biggest downsides is its fee structure. Instead of a standard APR, Amex charges a fixed monthly fee that varies based on your loan term. This makes it hard to compare rates between lenders when shopping around and can result in higher borrowing costs, especially for longer repayment terms.

Another disadvantage is the limited terms. You must repay what you borrow in either 6, 12, 18 or 24 months. Many other lenders provide more flexibility, with repayment options extending up to five or even longer. Plus, the maximum credit limit of $250,000 is lower than some competitors.

Customer service is another concern. American Express has low ratings on Trustpilot and Better Business Bureau websites. Most reviews focus on American Express credit cards, but they still raise red flags for those considering a business line of credit with the company.

And, opening an American Express Business Line of Credit requires a personal guarantee. That means if your business struggles to repay its balance, you’re personally responsible for covering the debt. This requirement can add risk to your personal finances and assets, especially if your business doesn’t have a large financial cushion.

Loan amount | $2,000 to $250,000
Loan terms | 6, 12, 18 or 24 months
Repayment schedule | Monthly
APR | N/A
Financing fees | 3-9% 6-months 6-18% 12-months 9-27% 18-months 12-18% 24-months
Additional fees | No origination fees, application fees, annual fees, maintenance fees or prepayment penalties.
Requirements | Minimum FICO score of at least 660 at the time of application, have started your business at least a year ago and an average monthly revenue of at least $3,000
Repayment schedule | Monthly
Turnaround time | Apply within minutes Funding within 1-3 business days Some applications or funding may take longer if additional paperwork is required.
Availability | All 50 states and US territories

American Express Business Line of Credit contact information

Phone number | 888-986-8263
Customer service hours | Weekdays: 8 a.m. to 9 p.m. ET Saturdays: 10 a.m. to 6 p.m. ET
X, formerly Twitter | @AmexBusiness
Facebook | @AmericanExpressBusiness

How to qualify for an American Express Business Line of Credit

The minimum requirements to qualify include:

- Be at least 18 years old
- Be in business for one year minimum
- Have a FICO score of 660 or higher
- Have at least $3,000 in average monthly revenue

Keep in mind that American Express states each business is unique and other requirements may apply depending on your specific situation.

How to apply

To apply for the American Express Business Line of Credit, follow these steps:

- Create an account if you’re new to American Express or log in with your existing credentials if you’re already a customer.
- Connect your business checking account and any additional accounts (like bookkeeping software or online payment accounts) to the platform.
- Complete the application by providing your personal and business information.
- Consent to a hard inquiry on your personal and business credit.
- Wait for a decision from American Express.
- Review and sign the loan agreement if approved.

Funds typically arrive in your account within three business days of signing the loan agreement. Amex requires a personal guarantee, and you also need to secure your loan with business assets. Plus, it does a “hard pull” on your credit file during the application, so your credit score may lower slightly after applying.

American Express verifies your business and revenue by connecting to your business’s bank accounts digitally. This means you’ll need to share your login information for your accounts. However, this process also saves time and paperwork since you won’t need to upload or submit bank statements.

American Express Business Line of Credit reviews and complaints

BBB accredited | No
BBB rating | F
BBB customer reviews | 1.11 out of 5 stars, based on 573 customer reviews
BBB customer complaints | 5,141 customer complaints
Trustpilot Score | 1.3 out of 5 stars, based on 4,940 customer reviews
Customer reviews verified as of | 30 December 2025

Most reviews for American Express focus on its credit cards and other financial services with little mention of its business line of credit. On both the BBB and Trustpilot websites, the majority of complaints are about the poor customer service provided by company representatives, and users report spending hours trying to resolve issues with unhelpful agents.

Other complaints focus on issues with rewards, billing disputes and unexpected account closures. It’s important to note that these reviews may not reflect the experience you’d have with its business line of credit. Since this product is relatively new, there’s limited feedback available, making it harder to gauge borrower satisfaction.

What do people on Reddit say?

Reddit users have mixed feelings about the American Express Business Line of Credit. Some appreciate the simple application process and quick funding, while others complain about unexpected account closures, borrowing limits changing unexpectedly and technical glitches affecting their accounts. A few also mention difficulties with customer service.

Frequently asked questions

How does the American Express Business Line of Credit work?

The American Express Business Line of Credit gives businesses access to funds as needed, rather than a lump sum like a traditional loan. Approved borrowers get a credit limit between $2,000 and $250,000 and can withdraw funds at any time. Each withdrawal becomes its own short-term loan with a repayment term of 6, 12, 18 or 24 months.

What credit score is needed for an Amex Business Line of Credit?

According to the company website, 660 is the minimum credit score required to open an American Express Business Line of Credit.

Is it hard to get an American Express Business Line of Credit?

Qualifying for an American Express Business Line of Credit isn’t necessarily hard, but you need to meet specific requirements such as a 660 credit score, one year in business and $3,000 in average monthly revenue. Amex also reviews your business’s overall financial health, so meeting the minimum criteria doesn’t guarantee approval.

Does the American Express Business Line of Credit show up on your credit report?

Yes, the American Express Business Line of Credit can show up on your personal credit report. If your account becomes delinquent or defaults, American Express reports it to consumer credit bureaus, which could impact your personal credit score. Plus, applying for the line of credit involves a hard inquiry, which may cause a temporary dip in your score.

How do rates and fees work on the American Express Business Line of Credit?

Instead of a traditional interest rate, American Express charges a fixed monthly fee based on your loan term. Each time you withdraw funds, it becomes a separate loan with a repayment term of 6, 12, 18 or 24 months and the fee is spread out over that period. There are no origination fees, prepayment penalties or annual fees, but you’ll want to review the fee structure carefully to understand the total cost.

This information was collected independently by Finder.

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Christi Gorbett

Contributor

Christi Gorbett is a freelance writer with more than eight years of experience and a master's degree in English. She’s created a wide range of content for banks, financial product comparison sites, and marketing companies on topics like small business loans, credit cards, mortgages, retirement planning, lender reviews, and more.

As a former teacher, Christi excels at making complex financial topics accessible and easy to understand. Her interest in finance grew when she returned to the U.S. after living in South Korea for nearly a decade.

This shift was driven by several personal financial challenges: rebuilding her financial base after the move home, starting her own business, and catching up on retirement savings. These experiences deepened Christi’s practical understanding of finance and intensified her interest in the field. See full profile

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