American Express

American Express Business Data for Funding Analysis

American Express serves millions of businesses with cards and banking products. Your Amex business card transactions reveal spending patterns, expense categories, and payment discipline. Combined with banking data, this creates a complete picture of your business finances.

Why Amex Data Matters

Business credit card transactions tell a different story than bank accounts alone:

Expense Visibility

Your Amex card captures business expenses that might not show clearly in bank statements: travel, software subscriptions, vendor payments, and operational costs.

Payment Discipline

How you manage your Amex balance—paying in full, carrying balances, payment timing—signals financial management practices.

Spending Categories

Amex categorizes spending automatically. We can see where money goes: marketing, travel, supplies, services.

Credit Utilization

How you use available credit relative to limits indicates financial health and cash management strategy.

What American Express Data Shows

When you connect your American Express business accounts, we analyze:

Transaction Patterns

• Purchase frequency and amounts
• Vendor payment patterns
• Spending category breakdown
• Seasonal spending variations

Payment Behavior

• Balance payment patterns
• Payment timing consistency
• Full vs. partial payment history
• Credit utilization trends

Expense Categories

• Travel and entertainment
• Business services
• Office supplies
• Marketing and advertising
• Software and subscriptions

Financial Signals

• Expense management discipline
• Cash flow timing indicators
• Business activity levels
• Growth or contraction patterns

American Express Account Types We Support

Business Gold Card

Comprehensive transaction data with detailed category breakdowns and rewards tracking.

Business Platinum Card

Premium card transactions with enhanced expense categorization and travel spending.

Business Green Card

Entry-level business card with full transaction history access.

Blue Business Plus

Cash back card with complete purchase history and spending analysis.

American Express Business Checking

Full business banking with deposit and transaction analysis (where available).

How Amex Integration Works

Step 1: Select American Express

Click "Connect Account" in your Founderpath dashboard and choose American Express.

Step 2: Secure Authentication

Log in to American Express through Plaid. Your credentials go directly to Amex.

Step 3: Authorize Read Access

Confirm read-only access to your transaction history.

Step 4: Data Analysis

We pull transactions and categorize spending patterns within minutes.

Step 5: Combined Assessment

Amex data combines with banking and revenue data for your funding offer.

American Express + Banking Data

Amex data is most powerful when combined with banking connections:

Amex + Business Bank

• Chase, Bank of America, or Mercury shows deposits
• Amex shows detailed expense categories
• Together: complete cash flow picture

Amex + Revenue Systems

• Stripe or Shopify shows revenue
• Amex shows business expenses
• Together: revenue vs. expense analysis

Amex + Accounting

• QuickBooks or Xero shows P&L
• Amex validates expense categorization
• Together: verified financial statements

Security and Privacy

Plaid Security Standards

American Express connections use Plaid:

• 256-bit AES encryption
• SOC 2 Type II certification
• Secure credential handling
• Regular security audits

Read-Only Access

Our connection cannot:

• Make purchases or charges
• Initiate payments
• Modify account settings
• Access card numbers directly

Your Control

Disconnect American Express at any time from your Founderpath dashboard.

Expense Metrics That Matter

Spending Consistency

Regular, predictable business expenses indicate stable operations.

Payment Discipline

Paying balances on time or in full signals strong financial management.

Category Distribution

Balanced spending across categories suggests diversified operations.

Expense Growth

Expense growth relative to revenue shows operational scaling efficiency.