{"id":4767,"date":"2024-01-11T12:58:40","date_gmt":"2024-01-11T07:28:40","guid":{"rendered":"https:\/\/alljobsinindia.in\/?p=4767"},"modified":"2024-01-11T12:58:40","modified_gmt":"2024-01-11T07:28:40","slug":"american-express-working-capital-loan","status":"publish","type":"post","link":"https:\/\/alljobsinindia.in\/american-express-working-capital-loan\/","title":{"rendered":"American Express Working Capital\u00a0Loan"},"content":{"rendered":"<p data-sourcepos=\"1:1-1:93\"><span style=\"font-size: 14pt;\">Sure, here&#8217;s all the information I could gather on the American Express Working Capital Loan:<\/span><\/p>\n<p data-sourcepos=\"3:1-3:15\"><span style=\"font-size: 14pt;\"><strong>What is it?<\/strong><\/span><\/p>\n<p data-sourcepos=\"5:1-5:57\"><span style=\"font-size: 14pt;\">The American Express Working Capital Loan is a short-term loan offered to eligible American Express business cardholders to help them manage their cash flow. It&#8217;s a revolving line of credit, so you can borrow and repay funds as needed, within your credit limit. American Express Working Capital\u00a0Loan<\/span><\/p>\n<figure id=\"attachment_3318\" aria-describedby=\"caption-attachment-3318\" style=\"width: 290px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-3318\" src=\"http:\/\/itjobsdrive.com\/wp-content\/uploads\/2023\/12\/American-Express-Working-Capital-Loan-300x150.webp\" alt=\"American Express Working Capital\u00a0Loan\" width=\"300\" height=\"150\" \/><figcaption id=\"caption-attachment-3318\" class=\"wp-caption-text\"><span style=\"font-size: 14pt;\">American Express Working Capital\u00a0Loan<\/span><\/figcaption><\/figure>\n<h2 data-sourcepos=\"7:1-7:17\"><span style=\"font-size: 14pt;\"><strong>American Express Working Capital\u00a0Loan<\/strong><\/span><\/h2>\n<p data-sourcepos=\"7:1-7:17\"><span style=\"font-size: 14pt;\"><strong>Loan amounts:<\/strong><\/span><\/p>\n<ul data-sourcepos=\"9:1-10:41\">\n<li data-sourcepos=\"9:1-9:45\"><span style=\"font-size: 14pt;\">You can borrow between $1,000 and $750,000.<\/span><\/li>\n<li data-sourcepos=\"10:1-10:41\"><span style=\"font-size: 14pt;\">The minimum loan amount depends on your card and eligibility.<\/span><\/li>\n<\/ul>\n<p data-sourcepos=\"12:1-12:19\"><span style=\"font-size: 14pt;\"><strong>Interest rates:<\/strong><\/span><\/p>\n<ul data-sourcepos=\"14:1-16:0\">\n<li data-sourcepos=\"14:1-14:81\"><span style=\"font-size: 14pt;\">The interest rate is variable and based on your creditworthiness and card type.<\/span><\/li>\n<li data-sourcepos=\"15:1-16:0\"><span style=\"font-size: 14pt;\">Annual percentage rates (APRs) typically range from 7.75% to 16.99%.<\/span><\/li>\n<\/ul>\n<p data-sourcepos=\"17:1-17:10\"><span style=\"font-size: 14pt;\"><strong>Terms:<\/strong><\/span><\/p>\n<ul data-sourcepos=\"19:1-21:0\">\n<li data-sourcepos=\"19:1-19:81\"><span style=\"font-size: 14pt;\">The loan term is 6 months,\u00a0with the option to renew for an additional 6 months.<\/span><\/li>\n<li data-sourcepos=\"20:1-21:0\"><span style=\"font-size: 14pt;\">You can make payments at any time,\u00a0without prepayment penalties.<\/span><\/li>\n<\/ul>\n<p data-sourcepos=\"22:1-22:9\"><span style=\"font-size: 14pt;\"><strong>Fees:<\/strong><\/span><\/p>\n<ul data-sourcepos=\"24:1-24:33\">\n<li data-sourcepos=\"24:1-24:33\"><span style=\"font-size: 14pt;\">There is an origination fee of 2.5% of the loan amount.<\/span><\/li>\n<li data-sourcepos=\"25:1-25:32\"><span style=\"font-size: 14pt;\">There is an annual fee of $95.<\/span><\/li>\n<li data-sourcepos=\"26:1-27:0\"><span style=\"font-size: 14pt;\">Late payment fees may apply.<\/span><\/li>\n<\/ul>\n<p data-sourcepos=\"28:1-28:16\"><span style=\"font-size: 14pt;\"><strong>Eligibility:<\/strong><\/span><\/p>\n<ul data-sourcepos=\"30:1-33:0\">\n<li data-sourcepos=\"30:1-30:86\"><span style=\"font-size: 14pt;\">You must be an existing American Express business cardholder for at least 12 months.<\/span><\/li>\n<li data-sourcepos=\"31:1-31:37\"><span style=\"font-size: 14pt;\">Your card must be in good standing.<\/span><\/li>\n<li data-sourcepos=\"32:1-33:0\"><span style=\"font-size: 14pt;\">You must have a minimum annual revenue of $25,000.<\/span><\/li>\n<\/ul>\n<figure id=\"attachment_3318\" aria-describedby=\"caption-attachment-3318\" style=\"width: 290px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-3318\" src=\"http:\/\/itjobsdrive.com\/wp-content\/uploads\/2023\/12\/American-Express-Working-Capital-Loan-300x150.webp\" alt=\"American Express Working Capital\u00a0Loan\" width=\"300\" height=\"150\" \/><figcaption id=\"caption-attachment-3318\" class=\"wp-caption-text\"><span style=\"font-size: 14pt;\">American Express Working Capital\u00a0Loan<\/span><\/figcaption><\/figure>\n<p data-sourcepos=\"34:1-34:17\"><span style=\"font-size: 14pt;\"><strong>How to apply:<\/strong><\/span><\/p>\n<ul data-sourcepos=\"36:1-39:0\">\n<li data-sourcepos=\"36:1-36:35\"><span style=\"font-size: 14pt;\">You can apply online or by phone.<\/span><\/li>\n<li data-sourcepos=\"37:1-37:52\"><span style=\"font-size: 14pt;\">The application process is usually quick and easy.<\/span><\/li>\n<li data-sourcepos=\"38:1-39:0\"><span style=\"font-size: 14pt;\">You will need to provide your business tax returns and financial statements.<\/span><\/li>\n<\/ul>\n<p data-sourcepos=\"40:1-40:13\"><span style=\"font-size: 14pt;\"><strong>Benefits:<\/strong><\/span><\/p>\n<ul data-sourcepos=\"42:1-46:0\">\n<li data-sourcepos=\"42:1-42:33\"><span style=\"font-size: 14pt;\">Quick and easy access to funds.<\/span><\/li>\n<li data-sourcepos=\"43:1-43:27\"><span style=\"font-size: 14pt;\">Flexible repayment terms.<\/span><\/li>\n<li data-sourcepos=\"44:1-44:26\"><span style=\"font-size: 14pt;\">No prepayment penalties.<\/span><\/li>\n<li data-sourcepos=\"45:1-46:0\"><span style=\"font-size: 14pt;\">Potential to improve your credit score by making on-time payments.<\/span><\/li>\n<\/ul>\n<p data-sourcepos=\"47:1-47:14\"><span style=\"font-size: 14pt;\"><strong>Drawbacks:<\/strong><\/span><\/p>\n<ul data-sourcepos=\"49:1-51:48\">\n<li data-sourcepos=\"49:1-49:58\"><span style=\"font-size: 14pt;\">High interest rates compared to other financing options.<\/span><\/li>\n<li data-sourcepos=\"50:1-50:18\"><span style=\"font-size: 14pt;\">Fees can add up.<\/span><\/li>\n<li data-sourcepos=\"51:1-51:48\"><span style=\"font-size: 14pt;\">The loan amount may not be enough to meet your needs.<\/span><\/li>\n<\/ul>\n<p data-sourcepos=\"53:1-53:270\"><span style=\"font-size: 14pt;\"><strong>Overall, the American Express Working Capital Loan can be a good option for small businesses that need short-term financing to cover unexpected expenses or bridge a cash flow gap.<\/strong> However, it&#8217;s important to compare rates and terms from other lenders before applying.<\/span><\/p>\n<p data-sourcepos=\"55:1-55:61\"><span style=\"font-size: 14pt;\">Here are some additional resources that you may find helpful:<\/span><\/p>\n<ul data-sourcepos=\"57:1-60:0\">\n<li data-sourcepos=\"57:1-57:199\"><span style=\"font-size: 14pt;\">American Express Working Capital Loan website:\u00a0https:\/\/www.americanexpress.com\/en-us\/business\/blueprint\/working-capital\/<\/span><\/li>\n<li data-sourcepos=\"58:1-58:196\"><span style=\"font-size: 14pt;\">American Express Working Capital Loan FAQs:\u00a0https:\/\/www.americanexpress.com\/en-us\/business\/blueprint\/working-capital\/<\/span><\/li>\n<li data-sourcepos=\"59:1-60:0\"><span style=\"font-size: 14pt;\">NerdWallet review of American Express Working Capital Loan:\u00a0https:\/\/www.nerdwallet.com\/reviews\/small-business\/american-express-business-line-of-credit<\/span><\/li>\n<\/ul>\n<p data-sourcepos=\"61:1-61:87\"><span style=\"font-size: 14pt;\">I hope this information is helpful! Please let me know if you have any other questions.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sure, here&#8217;s all the information I could gather on the American Express Working Capital Loan: What is it? The American Express Working Capital Loan is a short-term loan offered to eligible American Express business cardholders to help them manage their cash flow. &#8230; <a title=\"American Express Working Capital\u00a0Loan\" class=\"read-more\" href=\"https:\/\/alljobsinindia.in\/american-express-working-capital-loan\/\" aria-label=\"Read more about American Express Working Capital\u00a0Loan\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":4768,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1656],"tags":[],"class_list":["post-4767","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-technical"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>American Express Working Capital\u00a0Loan - All Jobs in India<\/title>\n<meta name=\"description\" content=\"American Express Working Capital\u00a0Loan\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/alljobsinindia.in\/american-express-working-capital-loan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"American Express Working Capital\u00a0Loan - All Jobs in India\" \/>\n<meta property=\"og:description\" content=\"American Express Working Capital\u00a0Loan\" \/>\n<meta property=\"og:url\" content=\"https:\/\/alljobsinindia.in\/american-express-working-capital-loan\/\" \/>\n<meta property=\"og:site_name\" content=\"All Jobs in India\" \/>\n<meta property=\"article:published_time\" content=\"2024-01-11T07:28:40+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/alljobsinindia.in\/wp-content\/uploads\/2024\/01\/American-Express-Working-Capital-Loan.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1500\" \/>\n\t<meta property=\"og:image:height\" content=\"750\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"All Job&#039;s In India\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"All Job&#039;s In India\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/alljobsinindia.in\/american-express-working-capital-loan\/\",\"url\":\"https:\/\/alljobsinindia.in\/american-express-working-capital-loan\/\",\"name\":\"American Express Working Capital\u00a0Loan - All Jobs in India\",\"isPartOf\":{\"@id\":\"https:\/\/alljobsinindia.in\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/alljobsinindia.in\/american-express-working-capital-loan\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/alljobsinindia.in\/american-express-working-capital-loan\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/alljobsinindia.in\/wp-content\/uploads\/2024\/01\/American-Express-Working-Capital-Loan.webp\",\"datePublished\":\"2024-01-11T07:28:40+00:00\",\"dateModified\":\"2024-01-11T07:28:40+00:00\",\"author\":{\"@id\":\"https:\/\/alljobsinindia.in\/#\/schema\/person\/6282fedf0e745e15b7e1088c13d9626c\"},\"description\":\"American Express Working Capital\u00a0Loan\",\"breadcrumb\":{\"@id\":\"https:\/\/alljobsinindia.in\/american-express-working-capital-loan\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/alljobsinindia.in\/american-express-working-capital-loan\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/alljobsinindia.in\/american-express-working-capital-loan\/#primaryimage\",\"url\":\"https:\/\/alljobsinindia.in\/wp-content\/uploads\/2024\/01\/American-Express-Working-Capital-Loan.webp\",\"contentUrl\":\"https:\/\/alljobsinindia.in\/wp-content\/uploads\/2024\/01\/American-Express-Working-Capital-Loan.webp\",\"width\":1500,\"height\":750,\"caption\":\"American Express Working Capital\u00a0Loan\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/alljobsinindia.in\/american-express-working-capital-loan\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/alljobsinindia.in\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"American Express Working Capital\u00a0Loan\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/alljobsinindia.in\/#website\",\"url\":\"https:\/\/alljobsinindia.in\/\",\"name\":\"All Jobs in India\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/alljobsinindia.in\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/alljobsinindia.in\/#\/schema\/person\/6282fedf0e745e15b7e1088c13d9626c\",\"name\":\"All Job's In India\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/alljobsinindia.in\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/67d17721d548f2464759339390faa853?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/67d17721d548f2464759339390faa853?s=96&d=mm&r=g\",\"caption\":\"All Job's In India\"},\"sameAs\":[\"http:\/\/alljobsinindia.in\"],\"url\":\"https:\/\/alljobsinindia.in\/author\/kalyantakalkar\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"American Express Working Capital\u00a0Loan - All Jobs in India","description":"American Express Working Capital\u00a0Loan","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/alljobsinindia.in\/american-express-working-capital-loan\/","og_locale":"en_US","og_type":"article","og_title":"American Express Working Capital\u00a0Loan - All Jobs in India","og_description":"American Express Working Capital\u00a0Loan","og_url":"https:\/\/alljobsinindia.in\/american-express-working-capital-loan\/","og_site_name":"All Jobs in India","article_published_time":"2024-01-11T07:28:40+00:00","og_image":[{"width":1500,"height":750,"url":"http:\/\/alljobsinindia.in\/wp-content\/uploads\/2024\/01\/American-Express-Working-Capital-Loan.webp","type":"image\/webp"}],"author":"All Job's In India","twitter_card":"summary_large_image","twitter_misc":{"Written by":"All Job's In India","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/alljobsinindia.in\/american-express-working-capital-loan\/","url":"https:\/\/alljobsinindia.in\/american-express-working-capital-loan\/","name":"American Express Working Capital\u00a0Loan - All Jobs in India","isPartOf":{"@id":"https:\/\/alljobsinindia.in\/#website"},"primaryImageOfPage":{"@id":"https:\/\/alljobsinindia.in\/american-express-working-capital-loan\/#primaryimage"},"image":{"@id":"https:\/\/alljobsinindia.in\/american-express-working-capital-loan\/#primaryimage"},"thumbnailUrl":"https:\/\/alljobsinindia.in\/wp-content\/uploads\/2024\/01\/American-Express-Working-Capital-Loan.webp","datePublished":"2024-01-11T07:28:40+00:00","dateModified":"2024-01-11T07:28:40+00:00","author":{"@id":"https:\/\/alljobsinindia.in\/#\/schema\/person\/6282fedf0e745e15b7e1088c13d9626c"},"description":"American Express Working Capital\u00a0Loan","breadcrumb":{"@id":"https:\/\/alljobsinindia.in\/american-express-working-capital-loan\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/alljobsinindia.in\/american-express-working-capital-loan\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/alljobsinindia.in\/american-express-working-capital-loan\/#primaryimage","url":"https:\/\/alljobsinindia.in\/wp-content\/uploads\/2024\/01\/American-Express-Working-Capital-Loan.webp","contentUrl":"https:\/\/alljobsinindia.in\/wp-content\/uploads\/2024\/01\/American-Express-Working-Capital-Loan.webp","width":1500,"height":750,"caption":"American Express Working Capital\u00a0Loan"},{"@type":"BreadcrumbList","@id":"https:\/\/alljobsinindia.in\/american-express-working-capital-loan\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/alljobsinindia.in\/"},{"@type":"ListItem","position":2,"name":"American Express Working Capital\u00a0Loan"}]},{"@type":"WebSite","@id":"https:\/\/alljobsinindia.in\/#website","url":"https:\/\/alljobsinindia.in\/","name":"All Jobs in India","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/alljobsinindia.in\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/alljobsinindia.in\/#\/schema\/person\/6282fedf0e745e15b7e1088c13d9626c","name":"All Job's In India","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/alljobsinindia.in\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/67d17721d548f2464759339390faa853?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/67d17721d548f2464759339390faa853?s=96&d=mm&r=g","caption":"All Job's In India"},"sameAs":["http:\/\/alljobsinindia.in"],"url":"https:\/\/alljobsinindia.in\/author\/kalyantakalkar\/"}]}},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/alljobsinindia.in\/wp-content\/uploads\/2024\/01\/American-Express-Working-Capital-Loan.webp","_links":{"self":[{"href":"https:\/\/alljobsinindia.in\/wp-json\/wp\/v2\/posts\/4767"}],"collection":[{"href":"https:\/\/alljobsinindia.in\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/alljobsinindia.in\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/alljobsinindia.in\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/alljobsinindia.in\/wp-json\/wp\/v2\/comments?post=4767"}],"version-history":[{"count":1,"href":"https:\/\/alljobsinindia.in\/wp-json\/wp\/v2\/posts\/4767\/revisions"}],"predecessor-version":[{"id":4769,"href":"https:\/\/alljobsinindia.in\/wp-json\/wp\/v2\/posts\/4767\/revisions\/4769"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/alljobsinindia.in\/wp-json\/wp\/v2\/media\/4768"}],"wp:attachment":[{"href":"https:\/\/alljobsinindia.in\/wp-json\/wp\/v2\/media?parent=4767"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/alljobsinindia.in\/wp-json\/wp\/v2\/categories?post=4767"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/alljobsinindia.in\/wp-json\/wp\/v2\/tags?post=4767"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}