AMAZON LENDING

UK business finance made simple

Amazon Lending provides business financing to eligible UK small and medium-sized businesses. Apply in minutes, with no lengthy paperwork1.
Amazon seller app screen with loan summary

Help grow your business with competitive business financing

If eligible, choose a financing option that suits your business's needs. Use those funds on anything related to your business, including growing inventory, expanding marketing efforts, or securing new equipment.
No application fees2
The ability to spend the funds on anything related to your business
No lengthy paperwork1
Help grow your business with competitive business funding
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TORRO

"Amazon Lending is something that we've used at strategic points of growth, which has allowed us to grow into new marketplaces. It’s easy to apply and getting the money took 7 days"

headshot image of Michael Farnsworth
Michael Farnsworth
Financial Director

91%

of respondents to our survey said a loan from Amazon Lending helped them grow their business3.

How to get business financing with Amazon Lending

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

Step 1

Step 2

Check if your business is eligible to apply for financing.

Step 3

Follow the steps in the application form to apply.

Step 4

Upon approval, access your funds in your bank account within five business days.4

Your goals financed with Amazon Lending

Amazon Lending is here to help your business succeed by letting you free up cashflow 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 help grow their business, and start financing your goals today.
Savvy Mom & Co
“The funds offered to me by Amazon were perfect and exactly what I needed to help me get inventory ordered. I would absolutely borrow from Amazon again.”
headshot image of Lidia Nunez-Yancey
Lidia Nunez-Yancey
Savvy Mom & Co
YourGoals Financed_Savvy

Eligible small businesses could receive £500 to £2m in business funding

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Quick access to funds
Applying for financing only takes minutes.
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Transparent costs
Calculate how much funding you need, what the repayments could look like with the calculator in the application form, and the total cost of financing before you submit your application.
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Choose the financing that's right for your business
Whether it's increasing inventory, investing in product development, or something else to support your business, Amazon Lending provides financing options designed to meet your business goals.

Your Amazon Lending options

In the UK, eligible sellers can apply for a small business loan from Amazon Lending, a merchant cash advance provided by YouLend, or a flexible financing line provided by YouLend. Interested in financing? Check your eligibility.

Product Description

Best for

Interest Rate & Payment Terms

Product Providers

Term Loan
A loan you can grow with.

Choose a loan amount and term length up to the full amount you’re eligible for during the application. Then receive one lump sum into the bank account linked to your selling account, with pre-agreed, equal monthly instalment repayments.
Growing your business without the need for credit checks.
One simple fixed APR (annual percentage rate).
Amazon Lending: offering a convenient application process directly through Seller Central with no lengthy paperwork.
Merchant Cash Advance (MCA)
A sum of funding with flexible repayment and no late fees, providing you with a sustainable way to grow your business. 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.
Small and medium businesses that require flexible terms.
You simply pay a one-time fixed fee. There is no fixed term, repayments are tied to sales revenue so the time to repay will vary depending on the amount of business sales you generate.
YouLend: YouLend works with Amazon to unlock the growth potential of sellers. YouLend has provided over 100,000 fast, flexible financing solutions to small and medium 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.
You simply pay a one-time fixed fee per draw down. There is no fixed term, repayments are tied to sales revenue so the time to repay will vary depending on the amount of business sales you generate.
YouLend: YouLend works with Amazon to unlock the growth potential of sellers. YouLend has provided over 100,000 fast, flexible financing solutions to small and medium businesses.

Know your repayment plan

Amazon Term Loan:
Once your financing is approved, it is disbursed directly into the bank account linked to your seller account. Your repayments are taken automatically from your sales disbursements each month. You can also manage your financing all in one place within Seller Central.

YouLend Merchant Cash Advance:
Once your financing is approved, it is disbursed directly into the bank account linked to your seller account. Your repayments will be automatically charged via a variable Direct Debit, set to a pre-agreed percentage of your business sales.

YouLend Flexible Financing Line: Once your application is approved, your pre-approved funding line will remain unused in your YouLend account. When you decide to use some, or all of the amount available, you can request to draw down funds. You will be charged a one-time fixed fee based on the amount you have requested and funds will be disbursed directly into the bank account linked to your seller account. Repayments will be automatically charged via a variable Direct Debit, set to a pre-agreed percentage of your business sales.
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Frequently Asked Questions

Get answers to the frequently asked questions about UK business financing with Amazon Lending.
What are the different business financing products available through Amazon?
Amazon Lending and third-party financing partners provide a range of financial solutions to give sellers maximum flexibility. Term loans, merchant cash advances, and flexible financing lines are available to eligible, U.K.-based businesses. At any given time, your business may be eligible to apply for one or more financing options from Amazon Lending and/or from Amazon’s select financial partners.
How do I apply for financing?
Amazon Lending is an invite-only programme. We evaluate seller accounts daily and extend invitations to apply for financing to sellers who have a proven track record selling on the Amazon Stores and who provide the highest level of customer satisfaction.
How long does it take to process an application?
For loans issued by Amazon Lending, once an application is submitted, it takes two business days on average to review and provide a loan decision. As part of our application due diligence process, we may require additional documentation or information to approve your business loan. Additional processing time may be required to complete this review. For financing options provided by third-party financing providers, decision times may vary. To learn more about the application process with a third-party financing provider, visit our Seller Central Help page (login required).
Where can I find more information about financing for small and medium-sized businesses?

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

1 As part of our application due diligence process for a merchant cash advance or a flexible financing line, YouLend may require additional documentation or information to approve your business’s financing. Additional processing time may also be required to complete this review.
2 See financing application page (https://sellercentral.amazon.co.uk/lending/ph/apply) for financing details. YouLend terms and conditions are available here
3 91% of respondents from Amazon Lending's survey answered yes to the question - “Did the loan form Amazon Lending help you to grow you Amazon selling business?” (data correct as of 27th January 2023).
4 The time required for funds to be deposited in your account may vary, depending on the receiving bank and its processing times.
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