Working capital loans designed with your business needs in mind

Find out if your Amazon business is prequalified to apply with no impact to your credit score.

We share your goal of growing your business on Amazon

Amazon Lending provides funding to help grow your business on Amazon. Invitations to apply for a loan are extended to prequalified sellers and applications can be completed with a few clicks. You choose the amount and term length that works for you from your pre-calculated options, up to the full amount you’re prequalified for, and there’s no penalty for early repayment.
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Simple application
Complete a simple one-page application in Seller Central using the details of your existing Amazon selling account. No paperwork required.
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Quick access to funds
Most approved loans are disbursed within five business days*. Access loan history and current loan status 24/7 in Seller Central.
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No fees
No origination fee, application fee, or early repayment penalty.

Getting started with Amazon Lending

A straightforward approach to business lending ⁠— we make the borrowing process easy so you can focus on more important things, like growing your business.

Step 2

Check if your business is prequalified to apply in seconds.

Step 3

Choose the amount and term length that works best for your business, up to the full amount you’re prequalified for.

Step 4

Access your funds in your bank account within five business days*.

How can Amazon Lending help grow your business?

No one knows your business needs better than you. Put the funds towards whatever your business requires, including:
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Inventory management
Use funds to bulk buy inventory and be fully stocked ahead of key sales events for your shoppers.
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Product line expansion
Use funds to expand your product line and sell to new customers who are searching for products like yours.
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Reach more shoppers
Take advantage of advertising and product promotion to reach more potential customers.

Frequently Asked Questions

Get answers to the frequently asked questions about Amazon Lending.
What are some typical uses for the loan?
Common uses of working capital include buying inventory, gaining cost or production efficiency, bulk buying, investing in product development, advertising costs, or building business infrastructure.
Once I submit, how long does it take to process an application?
Once an application is submitted, we average less than five business days to review and provide a loan decision.
How do I make payments?
Your monthly payments will be automatically be withdrawn from your first Seller Central sales disbursement following your loan payment due date. If the first disbursement following your due date is insufficient to make the full loan payment, we will deduct the remaining balance from the next disbursement. Visit our Help page in Seller Central to learn more.
Can I payoff my loan early, and is there a penalty?
You may payoff your loan balance at any time without any early repayment penalty. Early payment would also result in interest savings, as we prorate interest due based on the remaining loan balance.
My business is not eligible. How do I apply for a loan?
Amazon Lending is an invite-only program. We evaluate seller accounts daily and extend invitations to apply for a loan to sellers who have a proven track record selling on the Amazon Stores and who provide the highest level of customer satisfaction.
I have another question about Amazon Lending.
Visit our Help page in Seller Central to learn more.

Online application

If your business is eligible to apply for business financing options, sign in to Seller Central and you'll see a message from Amazon Lending on the homepage.
Check if your business is prequalified
*As part of our application due diligence process, we may require additional documentation or information to approve your loan. Additional processing time may be required to complete this review.
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