Last Updated: 04/18/2025
American Express Business Blueprint
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Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
N/A(Verified 02/09/2023)
Credit Score Range
640 - 850
Amount Range
$2,000 - $25,000
American Express Business Blueprint Review
American Express Business Blueprint is offered by American Express® National Bank, a bank founded in 1850 and based in New York, NY. American Express Business Blueprint are available in states.
American Express Business Blueprint FAQ
What APRs does American Express Business Blueprint offer?
American Express Business Blueprint offers an APR , but they do not disclose their rates.
Does American Express Business Blueprint charge an origination fee?
No, American Express Business Blueprint does not charge an origination fee. An origination fee is what some lenders charge for processing, underwriting, and funding a business financing product. Typically fees range from 0.5% to 5% of the line of credit amount. Whenever possible, go with lenders that don’t charge origination fees.
Does American Express Business Blueprint charge a late fee?
Yes, American Express Business Blueprint charges borrowers with a late payment fee of up to $10 .Does American Express Business Blueprint charge prepayment fees?
No, American Express Business Blueprint does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the line of credit balance off early.
How much can you borrow from American Express Business Blueprint?
Line of credit amounts start at $2,000 and go up to $25,000.
What is the maximum term you can get with American Express Business Blueprint?
American Express Business Blueprint offers business lines of credit with terms ranging from 6 to 18 months. Having the option of longer terms allows borrowers to take on larger line of credit amounts while keeping monthly payments more affordable. However, the longer the term of the amounts you borrow, the more interest you will pay.
What do you need to qualify for American Express Business Blueprint?
Applicants with a credit score of at least 640 and up to 850 may be eligible for American Express Business Blueprint. The minimum age to be eligible is 18 or the state minimum, whichever is higher. American Express Business Blueprint does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by American Express Business Blueprint.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- Business formation documents
- Proof of identity
What are the business financing requirements for American Express Business Blueprint?
To apply for American Express Business Blueprint, the applicant needs to provide the following documentation:
- Business license
- Business bank account
Does American Express Business Blueprint report your account activity to credit bureaus?
Yes, American Express Business Blueprint reports to the following credit bureaus:
- Equifax
- Experian
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does American Express® National Bank perform a hard credit pull?
Yes, American Express Business Blueprint performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
What types of business lines of credit does American Express® National Bank offer?
American Express® National Bank offers both secured and unsecured lines of credit. Secured lines of credit are typically secured by a blanket lien on your assets or a certificate of deposit.
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Message from American Express Business Blueprint
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Hours of Operation
Sunday
7:00AM - 12:00AM
Monday
7:00AM - 12:00AM
Tuesday
7:00AM - 12:00AM
Wednesday
7:00AM - 12:00AM
Thursday
7:00AM - 12:00AM
Friday
7:00AM - 12:00AM
Saturday
7:00AM - 12:00AM