AMAZON LENDING

UK business financing made simple

Discover tailored business financing solutions with Amazon Lending. Eligible UK small and medium-sized businesses can apply in minutes, with no lengthy paperwork,¹ favourable rates and products exclusively for Amazon Sellers.

View my finance options

New to Amazon?

£25 (excl. VAT) per month + selling fees

Eligible businesses could receive £500 to £5MM in business funding

Apply to view your personalised options in a few minutes, without impacting your credit score

Amazon Lending collaborates with trusted third-party providers who have proven experience offering financial products that successfully serve sellers.

No lengthy paperwork.¹ Complete the application online.

Review details of financial options in a transparent way, including favorable rates and payment terms exclusively for Amazon sellers, before deciding to apply.

Simple repayments tied to a percentage of your Amazon sales or fixed repayments

From increasing inventory to purchasing ads, financing from Amazon Lending lets you focus your resources where you need them to meet your business goals.

Gamble & Gunn

"The repayment schedule gave me peace of mind because it's linked to the sales I made on Amazon, so if sales dipped a little, repayments would be in tune with that"

Nicola Cowper

Director - Gamble & Gunn

How to get business financing with Amazon Lending

Experience a straightforward approach to business financing. We make financing easy so you can focus on more important things, like growing your business.

Check if I'm eligible

Step 1

Check whether you are eligible for a financing invitation by logging in to Seller Central.

Step 2

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

Complete the application and view your personalised terms. Getting an offer does not impact your credit score

Step 4

Receive notice of the provider’s financing decision. If your application is approved and you accept the terms, you could receive the money in one business day.

Your Amazon Lending options

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 your eligibility.

You can find more information about financing for small and medium-sized businesses by visiting the Gov.UK Finance and support for your business page or the UK Government’s Recovery Loan Scheme page.

Product Description

Best for

Interest Rate & Payment Terms

Product Provider(s)

Term Loan

A non-revolving, lump-sum loan with a specified payback period. Loan is repaid in equal payments (principal + interest).

Sellers planning long-term and growing continuously

Interest accrues at a fixed rate

TradeBridge: Amazon partners with TradeBridge in the UK to offer Sellers flexible, fair and transparent business funding. No hidden fees, no personal guarantees and no fuss – allowing you to focus on scaling your business.

Merchant Cash Advance (MCA)

A sum of funding with flexible repayment and no late fees. It ties repayment to a portion of your future sales for a single-fixed fee. You will repay as you earn with no additional fees or interest charged.

Sellers looking to have a cash injection to help grow their business.

Pay a one-time fixed fee. There is no fixed term, repayments are tied to future sales revenue so the time to repay will vary depending on the amount of business sales you generate.

YouLend: YouLend partners with Amazon to promote the growth potential of sellers. To date, YouLend has provided fast and flexible financing to small and medium-sized businesses.

Flexible Financing Line (FFL)

A pre-approved amount of funding that you can use whenever you need for any business purpose. Only pay when you draw down from the amount available, there is no interest charges, just a one-time fixed fee based on the amount you request.

Sellers looking to have funds readily available to meet ongoing operating expenses, as and when needed.

You simply pay a one-time fixed fee per draw down. There is no fixed term, repayments are tied to future sales revenue so the time to repay will vary depending on the amount of business sales you generate.

YouLend: YouLend partners with Amazon to promote the growth potential of sellers. To date, YouLend has provided fast and flexible financing to small and medium-sized businesses.

Understand your repayment
plan

Term Financing: Once financing is approved, funds are disbursed at a desired date into your nominated bank account. Repayments are fixed amounts (principal and APR) across the term, and collected monthly directly via Direct Debit.

Merchant cash advance: Upon financing approval, funds are disbursed directly into your nominated bank account. Repayments are automatically collected via a variable Direct Debit, based on a pre-agreed percentage of your business sales.

Flexible financing line: Once your financing line is approved, there are no costs until you utilise any or all of the available funding. After funds are disbursed to your bank account, repayments are automatically collected via a variable Direct Debit, set to a pre-agreed percentage of your business sales

Frequently Asked Questions

Get answers to the frequently asked questions about UK business financing with Amazon Lending.

How do I repay my finance

Your repayments will automatically be taken from the bank account you have linked to your Amazon account. TradeBridge has a fixed monthly repayment schedule. Whereas, YouLend repayment schedule is linked to every time you have a disbursement. For example, if you receive Amazon disbursements every 2 weeks, then repayments will be made toward your financing every two weeks as well.

How much will my repayment be?

Please refer back to section "Understand your repayment plan"

Is there any impact to my credit score?

Applying for financing options does not impact your credit score. If you choose to accept one of the options, this will be reported on your credit file.

What is the Annual Percentage Rate (APR)?

TradeBridge offers an lump-sum with a specified APR and payback period. Financing is repayable through fixed, equal, monthly instalments (principal and APR) over the chosen term of the agreement. YouLend does not use APR but a simple one-time fixed fee based on the amount you select, agreed up front prior to funding. As an example, if you received £100,000 in funding, and agree to a 10% fixed fee, you will repay £110,000 in total. There are no additional charges of hidden fees (i.e. no early or late repayment fees).

How can I improve my eligibility for a financing invitation?

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 do I find out the full terms of the financing

You can check in Seller Central, however your personalised terms can only be viewed once you submit an application with our third-party financing provider. You can do this with no impact to your credit score, and once you see your options, you can choose whether to progress or not.

What is the difference between TradeBridge Term Financing and a Term Loan?

TradeBridge Term Financing works similarly to a term loan: you receive a lump sum directly in your bank account and repay it through fixed, equal, monthly instalments over the chosen term of the agreement. The key difference is that, under the Term Financing agreement, TradeBridge are purchasing (and paying you in advance for) your Amazon Net Seller Proceeds. Sellers will need to ensure they are able to honour the monthly repayments through ongoing cash flow and sales.

Put your products in front of millions of customers who search Amazon.co.uk everyday

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¹As part of our application due diligence process, YouLend may require additional documentation or information to approve your business’s loan. Additional processing time may be required to complete this review.

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