Loans for Amazon sellers now come from third-party lenders, not from Amazon itself. Amazon stopped underwriting its own seller loans in the US and UK in March 2024, and its Amazon Lending program now shows invitation-only offers from outside providers inside Seller Central. Sellers without an invitation, or who want to compare, can apply to e-commerce lenders, SBA lenders and banks directly. Our e-commerce loans hub covers the full range of online-seller financing.
This page explains how Amazon Lending works today, what each listed provider publishes about its terms, and what to compare before you accept an offer.
What changed at Amazon Lending
Fortune reported on March 7, 2024 that Amazon had stopped underwriting loans to its US and UK sellers, quoting an Amazon spokesperson: “We regularly evaluate our programs and services, and have made the decision to discontinue term loans underwritten by Amazon for Amazon sellers in the U.S. and U.K.” Amazon said it would keep servicing existing loans and would offer financing from third-party providers instead (Fortune via Yahoo Finance).
Amazon now describes the program this way: “Amazon Lending, through its third-party financing providers, offers business financing to help eligible US small and medium-sized businesses reach their goals” (Amazon Lending). The lender on any offer is the provider named in it, not Amazon.
How Amazon Lending works now
- By invitation. Amazon says “receiving an invitation through Seller Central indicates you’re eligible” (Amazon seller financing guide). Offers are “based on criteria other than credit scores, like sales history and business performance metrics.”
- Credit. Amazon says “applying for financing in the Amazon Lending program will not impact your personal credit,” and that “in many cases, no credit check is required.”
- Three product types. Term loans (a lump sum repaid in equal monthly payments at a fixed interest rate), merchant cash advances (a fixed capital fee with payments tied to sales) and lines of credit (interest only on what you draw).
- Speed. Amazon says financing decisions are “usually made in less than three business days,” with funds “typically disbursed within two business days.” Providers may ask for extra documents, which can add time.
Amazon Lending providers compared
Figures checked September 21, 2026, from Amazon’s program page and seller financing guide unless noted. Cost terms used here: an APR (annual percentage rate) is the yearly cost of borrowing, including interest and certain fees. A fixed fee or capital fee is a single charge agreed up front; it is not an annual rate, so repaying faster raises its APR equivalent. A merchant cash advance (MCA) is a sale of future sales for a fixed fee, repaid as a share of those sales.
| Provider | Product | Amount | Term | Pricing as published |
|---|---|---|---|---|
| Lendistry | Term loan | $10,000 to $250,000 | Up to 3 years | APR “varies based on factors like the business’s performance in the Amazon store” |
| QuickBooks Capital | Term loan | From $1,500; Amazon lists $250,000 and $200,000 as the maximum on two pages | 6 months, 1 year or 2 years | APR “ranges from 9.99% to 36%” |
| Uncapped | Term loan; revolving line of credit | Term loans up to $5 million (Amazon); $10K to $2M on Uncapped’s own Amazon page | Term loans up to 18 months | Set per offer |
| Parafin | Merchant cash advance | Up to $2 million | Repaid from sales | Flat capital cost, no interest |
| Slope | Line of credit | Up to $5M | Chosen per draw | Interest on amounts drawn at a stated APR |
Where two pages give different figures, as with the QuickBooks Capital and Uncapped maximums, confirm which applies to your offer. A few provider details worth knowing:
- Lendistry runs the Amazon Community Lending program. Amazon describes it as “an established minority-led Community Development Financial Institution (CDFI).”
- QuickBooks Capital joined Amazon Lending in September 2025, according to Amazon (Amazon Selling Partners). Amazon says no paid QuickBooks subscription is required.
- Uncapped lists “6+ months in business + $10k monthly revenue” as its requirement and says “applying for funding does not affect your credit score” (Uncapped).
- Parafin offers a merchant cash advance for which, Amazon’s guide says, “no personal collateral is required.” Payments rise and fall with your sales.
- Slope announced its Amazon partnership on December 16, 2025, for “eligible U.S.-based Amazon sellers.” Slope says its credit products “are originated by Lead Bank, Member FDIC” (Slope).
Financing outside Amazon Lending
You do not need an Amazon invitation to borrow. Several e-commerce lenders connect to Seller Central and bank data to size an offer, and bank and SBA lenders will look at your Amazon sales as part of your business’s revenue.
| Option | Amount | Pricing as published | Terms | Published minimums |
|---|---|---|---|---|
| SellersFi line of credit | Up to $10,000,000 | 9.99% to 24.99% APR | Up to 24 months | 6 months of sales history; $250K sales in the last 12 months; US-registered (not offered in ND, VT, NV or TN) |
| SellersFi Capital Loan | $25K to $2.5M | Fixed fee of 3% to 24% | 3 to 24 months | 6 months of sales history; $250K sales in the last 12 months; US-registered |
| Wayflyer | Set per offer | Single fee set per offer | Repay fixed amounts or a % of sales | $10,000 average monthly revenue for the prior 6 months; at least 6 months trading for physical-goods businesses; holds its own stock |
| SBA 7(a) | Up to $5 million | Base rate plus a spread capped by the SBA | Up to 10 years for working capital or inventory | SBA eligibility and lender credit standards |
Sources: SellersFi, Wayflyer requirements, SBA 7(a), SBA 7(a) terms. Checked September 21, 2026.
Wayflyer says it “does not currently work with dropshippers and only provides funding to eCommerce companies that hold their own stock,” so it suits FBA and FBM sellers who buy inventory. If most of your need is stock, see e-commerce inventory financing. If you want repayment tied to sales, see e-commerce revenue-based financing. A general business line of credit from a bank or online lender is another route once your business has a longer track record.
What lenders look for in an Amazon seller
- Sales history and trend. Amazon says providers look for “sellers who have a proven track record of growing sales.” Six months of history is a common starting point among the providers above.
- Revenue level. Published minimums range from $10,000 a month (Uncapped and Wayflyer) to $250,000 over 12 months (SellersFi).
- Account health. Lenders reading Seller Central data can see returns, account standing and inventory levels, not only revenue.
- Margins after fees. Amazon referral, fulfillment and advertising costs come out before you see a payout, so lenders weigh what is left after them.
- Credit. Many Amazon-linked offers put less weight on credit scores. SBA and bank lenders weigh credit and time in business more heavily.
Pitfalls to watch for
- Comparing a fee with an APR. A fixed fee repaid in a few months costs far more per year than the same percentage quoted as an APR. Convert fixed fees using the time you expect to take to repay; our guide to factor rates vs. APR shows how.
- Taking the first invitation without comparing. An invitation shows that one provider will lend, not that its offer is the lowest cost you can get. Ask each lender for the total repayment amount in writing.
- Cash tied up in slow stock. Inventory stuck in fulfillment centers still has to be paid for. Match the repayment period to how fast the goods sell.
- Q4 timing. Borrowing for peak season means repayments may start before holiday payouts arrive. Check when the first payment is due.
- Stacking. Several sales-based products at once can claim a large share of each payout.
FAQ
Does Amazon still lend money to sellers?
Not directly in the US. Amazon stopped underwriting its own seller term loans in the US and UK in March 2024. Amazon Lending now connects sellers with third-party providers, which are the lenders on any offer.
Can I apply to Amazon Lending without an invitation?
Amazon describes the program as invitation-based: an invitation in Seller Central indicates you are eligible. Without one, you can still apply directly to e-commerce lenders, including some that also work with Amazon, or to bank and SBA lenders.
Will applying affect my credit score?
Amazon says applying through Amazon Lending will not affect your personal credit. Outside the program it depends on the lender: SellersFi and Uncapped say applying does not affect your credit score, while bank and SBA lenders usually run a full credit check.
Can a new Amazon seller get a loan?
Most providers above want at least six months of sales. Before then, options usually depend on the owner’s personal credit, such as a business credit card or an SBA microloan.
Next step
If you have an Amazon Lending invitation, note the total repayment amount, the term and how payments are collected, then put it next to at least one outside offer. Our e-commerce loans page explains how we compare term loans, lines of credit and revenue-based financing from the lenders we work with.
Sources
- Amazon: Amazon Lending
- Amazon: Guide to small business loans and other types of financing for Amazon sellers
- Amazon Selling Partners: Amazon steps up financing to fuel seller growth
- Fortune via Yahoo Finance: Amazon no longer underwrites loans (March 7, 2024)
- Slope: Slope working with Amazon to expand access to capital for Amazon sellers
- Uncapped: Amazon seller funding
- SellersFi: Amazon funding
- Wayflyer: Requirements to get funding
- U.S. Small Business Administration: 7(a) loans
- U.S. Small Business Administration: 7(a) terms, conditions and eligibility
About this page. Written by Ezra Cabrera, Content Team Lead at SMB Compass. Figures were checked against the primary sources listed above on September 21, 2026; lenders change their terms, so confirm current terms before you apply, and let us know if you spot a figure that has changed. SMB Compass is a business financing broker: we don’t lend our own money, and we are paid by the lenders we place loans with. This page is general information, not financial, legal or tax advice.