American Express Business Blueprint

American Express Business Blueprint is a small business financial management and lending platform offered by American Express. It was previously known as Kabbage, which American Express acquired in 2020. The platform has since been rebranded and expanded as part of American Express's broader business banking strategy.

American Express Business Blueprint offers a revolving line of credit for qualifying small businesses. A line of credit allows you to draw funds up to an approved limit as needed, repay those funds over time and draw again as your balance reduces. This flexibility makes a line of credit useful for managing short-term cash flow, covering payroll during slow periods or taking advantage of business opportunities without depleting savings.

In addition to the line of credit, American Express Business Blueprint also provides cash flow management tools, invoicing and financial reporting features to help small business owners track the health of their business finances in one place.

As an American Express product, Business Blueprint is backed by a large, well-established financial company. However, it operates as a technology-driven online lending product rather than a traditional bank, and approval is based on automated review of business financial data.

The cost of borrowing through American Express Business Blueprint is generally higher than a conventional bank line of credit. Business owners should review the annual percentage rate and fees carefully and compare the offer against lines of credit from your own bank, a credit union and other fintech lenders.

American Express Business Blueprint operates across the United States. It may be particularly convenient for businesses that already have an American Express business card or other American Express relationship.