#2 of 11 business lenders
American Express
American Express
Pick American Express if you want a straightforward line of credit with a disclosed, calculable cost.
7.0
GoodApproval Requirements
7.1
Funding Speed
7.9
Application Experience
7.4
Transparency & Trust
6.7
Rate & Cost of Capital
6.8
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Full specifications
Head-to-head findings
- Approval Requirements
- 660 FICO, 12mo, $36K
- Funding Speed
- Same-day draws once approved
- Application Experience
- Minutes to a few days
- Transparency & Trust
- Positively reviewed, one known company
- Rate & Cost of Capital
- ~3-18% effective (6-12mo draw)
- Loan Amount Range & Product Fit
- $2K-$250K
Record
- Head-to-head record
- 9–0
- Head-to-heads won
- Best in class100 %
- Rounds won
- 57 %