American Express Launches Flexible Payment Option to Boost SME Cashflow

American Express Launches Flexible Payment Option to Boost SME Cashflow

American Express has launched a new Flexible Payment Option (FPO) in the UK, designed to give small enterprise house owners higher management over their cashflow by providing an instantaneous line of credit score embedded straight into their card companies.

The new feature is out there to new American Express Business Platinum and Gold Cardmembers. It permits these clients to select between repaying their assertion stability in full or paying a portion of it over time with curiosity.

A shift from the ‘Charge Card’ mannequin

Historically, Amex’s Business Platinum and Gold playing cards in the UK have operated primarily as cost playing cards, requiring balances to be settled in full each month. The introduction of FPO marks a major shift, providing a revolving credit score facility related to a bank card.

Cardmembers will still profit from up to 54 calendar days interest-free on purchases in the event that they pay in full by the due date. However, the new performance gives the choice to pay only the minimal due, or any quantity between the minimal and the complete stability, managing these funds by way of their on-line account or the Amex app.

Addressing SME pain factors

Ruchi Sharma, vp, UK business at American Express

The launch is available in response to the rising stress on small enterprise margins. According to American Express research performed in 2025, 31 per cent of UK SMEs cite cashflow administration as a key focus, while 26 per cent view reimbursement flexibility as “highly important” when choosing financing options.

Ruchi Sharma, vp, UK business at American Express, commented: “We know that cashflow is vital for small businesses and that’s why we’re excited to launch the Flexible Payment Option feature… By providing an instant line of credit when needed, small business owners don’t have to use personal savings, take out a separate loan or miss out on the next business opportunity when it arises.”

Alongside the FPO feature, the playing cards continue to supply “no pre-set spending limit,” that means the spending energy adjusts dynamically based on the enterprise’s particular wants, fee historical past, and credit score report.

It is important to word that this feature is at the moment accessible routinely only to new candidates for the Business Platinum and Gold playing cards. Existing cardmembers wishing to entry the FPO feature would at the moment want to submit a new application.

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