Short-term loans up to $750,000 exclusively for Amazon sellers.

  • Best for established sellers with an invitation from Amazon.
  • Pick something else if you aren’t already a seller on Amazon.

    $1,000

    Min. Amount

    $750,000

    Details

    Product Name Amazon Lending business loans
    Min. Amount $1,000
    Max. Amount $750,000
    Loan Term Up to 1 year
    APR Varies
    Requirements Good customer metrics and profitable business

    How much will this loan cost me?

    Sellers can borrow anywhere from $1,000 to $750,000 with terms of up to 1 year, depending on their accounts. Unlike other short-term business loans, you’re limited to using your funds to purchase inventory specifically for sale on Amazon.

    From what we’ve gleaned through online forums, former borrowers cite terms as short as three months and APRs that range from 3% to 16.9%.

    If you receive an offer, you can use the calculator below to determine your potential monthly repayments.

    Monthly repayments calculator

    Calculate how much you could expect to pay each month

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    Fill out the form and click on “Calculate” to see your estimated monthly payment.

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    How it works

    Because your personal details and customer and sales metrics are already with Amazon, there’s little to do on your end. Applying sounds as easy clicking an offer from your seller dashboard and waiting for a decision.

    Your offer will likely be dependent almost entirely on your sales metrics, customer reviews and total revenue. Posts on forums often say they are given loan terms with higher APRs — expected for a short-term loan — and that Amazon didn’t look much at their overall financial statements.

    What do I need to qualify?

    Amazon Lending is by invitation only, and eligibility requirements aren’t easy to find online. According to Amazon, the best way for a seller to receive an offer is to meet these two criteria:

    • Maintain good customer metrics
    • Prove a steady increase of sales

    Customer metrics include anything from cancellation and order defect rates, to policy violations, to how fast you respond to customers. You may also need to meet a minimum sales requirement — at least $10,000 in the past 12 months. Amazon sellers who have received offers report in Amazon’s forums that they got their first offer one around their one-year selling anniversary.

    What information do I need to apply?

    While Amazon doesn’t provide an exact list of documents and information you’ll need to complete your application, previous borrowers reported online that they were asked to provide this information:

    • Proof of sales
    • A–Z claims
    • Sales trends — monthly, quarterly, annually

    Your exact experience will be different. When you apply, Amazon will work with you to get the information it needs to finalize your loan.

    What industries does Amazon Lending work with?

    Amazon exclusively works with its sellers. If you aren’t already selling on Amazon — or you’re in an industry that doesn’t rely on product sales — you will need to shop for a different loan.

    What are my alternatives to Amazon Lending?

    Amazon Lending isn’t for everyone. If you’re wary about becoming too dependent on Amazon, or simply need a loan to expand your business in another direction, you have options.

    Loan type Loan amount Best for
    Business term loan
    $5,000 to $5 million
    Larger expenses, like expanding your warehouse or buying equipment
    Business line of credit
    $5,000 to $5 million
    Access to working capital to cover the costs of purchasing inventory and other daily expenses
    Merchant cash advance
    $2,500 to $250,000
    Business owners who need access to working capital but don’t have the best credit
    Personal loan
    $1,000 to $100,000
    Startups or newer businesses that need small amounts to cover everyday expenses and fulfill orders

    Pros

    • No credit checks
    • No origination fees, application fees or prepayment penalties
    • Funding based on metrics and sales

    Cons

    • Invitation only
    • Must be used to fund Amazon business
    • Limited information available

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