American Express has rolled out a new Flexible Payment Option aimed at giving UK small businesses greater control over cashflow. The feature allows eligible Business Platinum and Business Gold Cardmembers to access an instant line of credit directly through their business charge card.
The option enables cardholders to decide how much of their monthly statement balance to repay. Businesses can pay in full, settle the minimum amount due, or choose any sum in between, with interest applied only to the portion carried forward. No interest is charged if the full balance is cleared by the statement due date.
Embedded within the card itself, the feature can be managed through American Express’s online account or mobile app. Cardmembers retain up to 54 interest-free days before payment is required, giving firms more flexibility to manage short-term liquidity.
Ruchi Sharma, Vice President of UK Commercial at American Express, said the new option was developed to support businesses at critical moments. “We know that cashflow is vital for small businesses, and Flexible Payment Option gives owners immediate access to credit when they need it,” she said. “This means they don’t have to dip into personal savings, take out a separate loan or miss out on growth opportunities when they arise.”
The launch comes as cashflow management continues to be a top concern for UK SMEs. Research by American Express last year showed that nearly a third of small businesses rank cashflow as a key operational priority, while more than a quarter consider repayment flexibility essential when evaluating financing options.
In addition to flexible repayment, American Express Business Platinum and Gold Cards operate with no pre-set spending limit. Spending power adjusts dynamically according to a business’s profile, payment history, and usage patterns. Cardmembers also earn Membership Rewards points on everyday business spending, which can be redeemed for travel, experiences, or purchases.
The move positions American Express to address the growing demand for embedded finance solutions among small and medium-sized enterprises. By offering credit directly through existing business cards, the company provides an alternative to traditional overdrafts or standalone loans, helping businesses manage cashflow while maintaining operational flexibility.
Industry observers say the feature could appeal particularly to small businesses that need immediate access to funds without the complexity of applying for separate credit facilities. For firms navigating uncertain market conditions or seasonal revenue fluctuations, such embedded flexibility may offer a practical way to maintain liquidity and support growth.
