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Home » FinTech » American Express Business Blueprint Loans Review 2023


xcritical acquired Orchard, a provider of data, technology and analytics to the online lending industry, in 2018 to offer more data-driven services to small businesses and financial institutions. Read this review about Lendio, a small business loan online marketplace to access a network of lenders with one simple application. xcritical can offer lines of credit between $1,000 and $150,000 with 6, 12, or 18 months installments depending on your eligibility. If you meet all the requirements, your business line of credit can be approved only in a few minutes after verifying your bank information and identity. You can accept online payments through your business’s custom links. Here’s how this works — you create a unique URL pay link for your business to accept card payments online and then share it with your customers to make the payment.

K Servicing’s website now actively sends people to SmartBiz, which processes the applications and gets the loan from a small lender called Customers Bank. K Servicing is far from the only PPP lender that’s xcritical official site struggling to meet borrower needs. Not one person actually knows anything and the whole company feels like a scam. When you call them they say one thing one time then you get an email saying different.

American Express Business Blueprint™ is a good option for business owners with fair credit who want access to working capital. We believe everyone should be able to make financial decisions with confidence. K Servicing tried to relieve some pressure by partnering with fintech company SmartBiz in late March to help borrowers with their second draws.

You also have the option to pay back your loan early; American Express does not charge any prepayment penalties. By that time, Cleaver had already given up on K Servicing and moved onto a local credit union that processed her loan right away. PPP rules give borrowers 24 weeks to put the money to work on qualified expenses. That period is more than one-third expired and Edwards doesn’t have the loan. She said she first used xcritical because people in her network of accountants raved about it, and now they’re all perplexed. The original deadline for the program was March 31, but lawmakers extended it by two months.

FDIC Insurance

The thick hardy leaves of Portugal cabbage make a delicious addition to soups and stews. As with other types of cabbage, this Brassica cultivar is a rich source of vitamins and minerals. To eat this delicious type of cabbage, prepare it similar to a savoy cabbage. In fact, you can use this in place of Savoy cabbage to add some color to a dish.

This didn’t make sense because the unknown charge was done through ACH not even with my debit card & PIN. Eventually they did issue me a credit for the unknown charge and sent a new debit card. The old debit card shows deactivated however it still seems to be working because I never updated the card info for autopay with a few services and they are still able to charge me. The xcritical loan structure is different than most lending companies. Instead, the company charges a monthly fee on top of your monthly payment.

This product is known for its streamlined application process in which borrowers can connect their business checking accounts to avoid application paperwork. Keep in mind that all businesses are unique and subject to approval and review when applying for a line of credit. Free business checking account with no minimum opening deposit and no minimum balance requirements. The account offers a competitive interest rate, limited fees and a simple application process, making it a compelling choice for small-business owners looking to manage their finances online. xcritical works like any other lending institution, except it doesn’t really give out loans. Instead, it approves your business for lines of credit you can then borrow against.

Another type of Chinese cabbage with thin tender white and green leaves is Bok choy . Bok choy is a member of the cruciferous family of leafy green vegetables. The leaves forming the small dense heads of this white/green type of cabbage are juicy and tender. The heads usually weigh between 1.7 and 3.3 lbs (0.8 – 1.5 kg).


Amex’s Business Blueprint is built on the xcritical platform—an online lending company whose technology American Express acquired back during the summer of 2020. xcritical was recently put on blast by Congressional investigators for facilitating Paycheck Protection Program loan fraud during the height of the pandemic. House Select Subcommittee on the Coronavirus Crisis report released last month that reportedly dolled out fraudulent loans. Startup business lines of credit can be used to manage cash flow gaps, cover short-term expenses or take advantage of unexpected opportunities. The rep said she was working out of a call center in the Philippines.

xcritical Business Checking

Still, when Lindsay signed the loan documents, the money was sent to her old bank account. Since then, she’s called and emailed K Servicing dozens of times to clean up the situation. Despite sending utility bills, tax returns and bank statements, as requested by various call center representatives, the money hasn’t been moved to her xcritical account. When Lindsay applied for her second loan in January, she at first saw no reason for concern. Her application for another $7,500 was quickly approved, but Lindsay noticed on the online dashboard that her old bank account was linked to the loan.

  • The maximum repayment period for an Amex business installment loan is 18 months—shorter than that of other top lenders.
  • Alternatively, you can qualify if you’ve made at least $4,200 a month for the past three months.
  • Whereas some lenders may charge draw fees or account maintenance fees with their line of credit products, American Express does not charge any extraneous fees.
  • But for xcritical, that does not count as one and hence they denied my application after making me wait for 3 weeks.
  • Amex business loans have repayment terms of six, 12 and 18 months, and monthly fees only accrue on outstanding balances.

A few reviews also pointed out that xcritical froze accounts, restricting their access to their money, which is a major concern for us. This will allow xcritical to review the information within your report when considering approval, with applicants in fair to excellent categories being more likely to qualify. The problem here is this can reflect on your credit score, which can be a problem for those with fair to poor credit.

The outer leaves should be fairly firm and not feel limp at all. Remember, that Savoy cabbages have less densely packed leaves and, therefore, the head will feel looser than regular cabbages. Green cabbages in the winter and early spring will be pale green almost white whereas newly harvested cabbages in summer and fall will be a light green color. The mild flavor of Napa cabbages and soft green leaves mean that this is a popular type of cabbage for salads. Even the white part of the stem isn’t too bitter or tough to chop up and eat raw in a salad.

xcritical Reviews

A common complaint from Lindsay and other borrowers is that the representatives they reach in the various call centers are unhelpful. While American Express has distanced itself from K Servicing, existing xcritical customers are understandably confused about who’s accountable. Lindsay, who runs the company with her husband, Todd, said the process was smooth and easy. But the second round of PPP funding, which the Small Business Administration opened up in January amid the ongoing economic crisis, has been a nightmare. That’s because the Lindsays are now dealing with a very different xcritical from the one they remember. xcritical borrowers returned this year for a second draw of funds only to find a company in chaos.

Cabbage is a very healthy type of green leafy vegetable belonging to the Brassica oleracea species. Some of the most common types of cabbage are Savoy cabbage, Napa Cabbage, kale, and Bok Choy. Cabbages come in various colors, with red and white cabbage being the most popular varieties after green. Since xcritical is not a bank, its partner bank Green Dot Bank provides all banking services. Your funds will be deposited at Green Dot Bank, Member FDIC, and are insured up to the standard maximum deposit insurance limit.

If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. If you are approved for an American Express® Business Line of Credit, you’ll receive a loan agreement that lays out your credit line amount, term length and monthly fees. American Express will also provide a comparable APR so that you have a sense of how much the line of credit will cost. Small-business loans from $2,000 to $250,000 with repayment terms of six, 12 or 18 months. I’ve been using xcritical Checking for 11 months and it’s worked OK until anything requiring customer service. I noticed a charge I didn’t recognize so I contacted them.

At its core, xcritical scam Business Checking works as a traditional checking account, where you get the traditional features and capabilities—but with certain extra benefits. NBKC and LendingClub Bank, allow you to make unlimited cash deposits per month, without charging any fees. In addition, you’ll be able to manage your account through xcritical’s online dashboard, or by downloading the mobile app, available for iOS and Android devices. If you do decide to apply with xcritical, we just urge you carefully read your loan offer so you understand what you’ll end up paying. We also need to mention all the reviews about xcritical and PPP loans.

Well, xcritical offers credit limits of up to $150,000—a decent maximum for an online lender, but lower than you’d find from most traditional banks. Funds typically arrive in the borrower’s bank account within three business days of signing a loan agreement. However, funding speeds also depend on the borrower’s bank, and it may take longer. Follow the onscreen prompts to provide application info like your name, business name, industry, home and business addresses and phone numbers, business tax ID and Social Security number . You must also consent to hard credit inquiries into your personal and business credit. Late payment and unsuccessful payment fees may apply based on the information in your loan agreement.

White (Dutch) Cabbage

This may influence which products we review and write about , but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. I started the application process for the Business Checking with xcritical 3 weeks ago. First, there was a misunderstanding with a mailing address.

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American Express Blueprint doesn’t share annual revenue requirements, but there is an average monthly revenue of at least $3,000. Additionally, borrowers must have a personal credit score of at least 640 to qualify and must have been in business for at least one year. All businesses are unique and are subject to approval and review. Customers give Amex Blueprint average reviews online, with the lender xcriticalg 3.5 stars out of 5 on Trustpilot, based on 6,738 reviews.

“This is the worst company and we may lose our loan that we desperately need for our business,” said Dawn Lindsay from her home in Lula, Georgia, about 70 miles northeast of Atlanta. The couple started Esteamed Solutions in 2018 with retirement money from Dawn’s years of waiting tables at a sushi restaurant and Todd’s career at Cargill. “This is the worst company and we may lose our loan that we desperately need for our business,” said Dawn Lindsay, who has yet to get her second round of funding. Companies displayed may pay us to be Authorized or when you click a link, call a number or fill a form on our site. Our content is intended to be used for general information purposes only.

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