American Express Business Blueprint (Kabbage & Radius Intelligence)

American Express Business Blueprint is a free cash flow management solution designed for small and medium-sized businesses. The platform consolidates business bank accounts, card balances, and cash projections into a single dashboard to help business owners analyze liquidity and manage daily working capital.

Originally launched following the acquisition and integration of Kabbage, American Express Business Blueprint incorporates small business financial tools—including digital checking, working capital lines of credit, and cash flow forecasting—into a unified financial management hub.

Key Capabilities

• Cash Flow Analytics & Forecasting: Connects external business bank accounts and American Express card accounts to track incoming and outgoing cash flows, generate automated projections, and monitor daily liquidity.
• Account Aggregation & Dashboard: Provides a consolidated view of linked financial accounts, balances, transaction histories, and cash positions in a single interface.
• Working Capital Access: Integrates access to small business financing options, including American Express Business Line of Credit (formerly Kabbage Funding), directly within the cash management portal.
• Business Banking Integration: Connects with American Express Business Checking to support digital checking accounts, mobile check deposits, and interest-bearing sub-accounts.
• Vendor & Customer Payments: Facilitates digital bill payments, wire transfers, and customer payment collection tools directly linked to cash flow management workflows.

Audience & Use Cases

• Audience: Small business owners, finance managers, and sole proprietors managing operational cash flow and working capital.
• Use Case: Aggregating external bank accounts and credit cards into a central dashboard to monitor real-time business cash balances.
• Use Case: Projecting short-term cash flow and forecasting future liquidity needs before making operational purchasing or hiring decisions.
• Use Case: Managing access to working capital lines of credit and checking accounts alongside operational cash flow tools.