Amazon Lending
Finance your goals
Amazon Lending, through its third-party financing providers, offers business financing to help eligible US small and medium-sized businesses reach their goals.
Grow your business with competitive financing
Amazon Lending is designed to help your business succeed by letting you free up cash flow and invest in the areas of your business that make sense. Join thousands of Amazon sellers who have already taken advantage of Amazon financing solutions to grow their business.
Access funds quickly
Applying takes minutes for most applicants, and financing decisions are usually made in less than three business days, with approved funds typically disbursed within two business days.2
Proceed with certainty
Review transparent details for available financing options, including favorable rates and payment terms exclusively for Amazon sellers, before deciding to apply.
Free up cash flow
From increasing inventory to purchasing ads, financing from Amazon Lending lets you focus your resources where you need them to meet your business goals.
Customize your investment
You can use funds to cover any business costs, such as expanding your marketing, product lines, workforce, or infrastructure.
Borrow with confidence
Amazon Lending collaborates with trusted third-party providers who have proven experience offering financial products that successfully serve sellers.
NoNo Bracket Company
"The opportunity to get lending easily was amazing. In a matter of 1–2 days, I used those funds to order more inventory just to keep up with demand."
Naim Mustafa
Owner, NoNo Bracket Company
Financed his goals with a Merchant Cash Advance (MCA) from Parafin
Available products
We are constantly expanding by partnering with trusted third-parties to build a portfolio of financing tools for all your business needs. We evaluate many factors when selecting a third-party provider to join the Amazon Lending program, including their potential to innovate and continuously improve the seller experience through enhanced features and best-in-class offerings. Check my eligibility
Product description
Best for
Product cost of financing
Product provider(s)
How Amazon Lending works
We make financing easy so you can focus on more important things, like growing your business.
Step 1.
Check for invitations
Check for financing invitations in Seller Central.
Step 2.
Review the terms
Choose the financing option that works best for your business, up to the full amount your business is eligible to apply for. Then click Start Application.
Step 3.
Securely share your selling data
Agree to share your business’s Amazon selling data with the financing provider. You will then be redirected to the provider’s site to complete your application.
Step 4.
Complete the application
Fill out the application form in a matter of minutes and submit.
Step 5.
Get the funds
Receive notice of the provider’s financing decision, usually within one business day1. If your application is approved and you accept the terms, the funds will be disbursed into your account.
Frequently Asked Questions
Get answers to the frequently asked questions about Amazon Lending
What are the different business financing products available through Amazon?
Amazon Lending’s third-party financing providers offer a range of financial solutions to give sellers maximum flexibility. Financial solutions vary based on the region. In the US, term loans and merchant cash advances are available to eligible, US-based businesses. At any given time, your business may be eligible to apply for one or more financing options from Amazon’s select financial partners.
How can I improve my eligibility?
Providers take multiple factors into consideration when determining financing eligibility, evaluating sellers who have a proven track record of growing sales and who provide the highest level of customer satisfaction.
How long does it take to process an application?
Decision time may vary by financing provider. On average, most decisions are made within one business day.
How will applying for financing from Amazon Lending impact my credit?
Applying for financing in the Amazon Lending program will not impact your personal credit. Making on-time payments with Lendistry can help you grow your business credit.
I’m interested in a Merchant Cash Advance (MCA). What is a capital fee?
The capital fee is a flat service fee you pay to accept a cash advance from Parafin. This fixed fee is the only fee you'll pay, and it will not change after you have accepted the advance. You pay the total advance amount (including the capital fee) with a set percentage of future gross sales. This set percentage is your Payment Rate and is displayed before you accept the offer.
Where can I learn more about the Amazon Lending program or get the answer to another question?
Visit the Amazon Lending help pages for more information (login required).
Where can I find more information about financing for small and medium-sized businesses?
Visit the US Small Business Administration's (SBA) plan your business and grow your business pages.
Finance your business needs with Amazon Lending
*A Professional selling account is $39.99/month + selling fees. Learn more
1As part of the application due diligence process, third-party financing providers may require additional documentation or information to approve your business’s financing. Additional processing time may be required to complete this review.
2The time required for funds to be deposited in your account may vary, depending on the receiving bank and its processing times.
1As part of the application due diligence process, third-party financing providers may require additional documentation or information to approve your business’s financing. Additional processing time may be required to complete this review.
2The time required for funds to be deposited in your account may vary, depending on the receiving bank and its processing times.
