AMAZON LENDING

UK business financing made simple

Discover tailored business financing solutions with Amazon Lending. Eligible UK small and medium-sized businesses can apply for £500-£2M in minutes, with no lengthy paperwork,¹ favourable rates and products exclusively for Amazon Sellers.

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Grow your store with competitive business financing

If eligible, choose a financing option that suits your business's needs between a merchant cash advance or flexible financing line. Use funds on anything related to your business, including growing inventory, expanding marketing efforts, or securing new equipment.

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

No lengthy paperwork¹

Simple repayments tied to a percentage of your Amazon sales

See if I am eligible

Help grow your business with competitive business funding

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 through YouLend

Experience a straightforward approach to business financing. Our partnership with YouLend offers a user-friendly application process, quick decisions, and fast access to funds, enabling you to concentrate on what matters most: growing your business.

Check if I'm eligible

Step 1

Step 2

Check if your business is eligible to apply for either a merchant cash advance, flexible financing line or both.

Step 3

Apply for the product that suits your business' needs and view your personalised terms - all without impacting your credit score.

Step 4

Once approved, if you choose to proceed, you could have the money in one business day.

Your goals financed with Amazon Lending and YouLend

Amazon Lending has partnered with YouLend to provide sellers with two flexible financing options. A flexible financing line (FFL) grants you access to a pre-approved funding line, available when needed for complete peace of mind. A merchant cash advance (MCA) offers a lump sum deposited into your account, usable for any business-related expenses.

With a one-time fixed fee, agreed up front, you will know exactly what you need to repay with no hidden fees.

View my finance options

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

Your Amazon Lending options

In the UK, eligible sellers can apply for a merchant cash advance provided by YouLend, or a flexible financing line provided by YouLend. Interested in financing? 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

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.

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.

Know your repayment
plan

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 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 repayments be

Your repayments will be a pre-agreed percentage of your Amazon disbursements. For example, if you choose to repay with 10% of your disbursements, and one week you have a £50,000 disbursement, £5,000 will be automatically taken from this amount to repay your financing.

Is there any impact to my credit score?

Applying for a merchant cash advance or flexible financing line 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)?

There is no APR for any financing options with YouLend. There is simply a one-time fixed fee based on the amount you receive, agreed up front. As an example, if you received £100,000 in funding, and agree to a 10% fixed fee, you will have to repay £110,000 in total. There are no additional charges of hidden fees.

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 YouLend. 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.

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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