AMAZON LENDING

Convenient financing options designed with your business needs in mind

Amazon Lending is built on the simple idea that business lending doesn’t have to be complicated. We provide business financing solutions through Amazon Lending and third-party partners to eligible small and medium-sized businesses without the paperwork and long wait times.
NEW

Amazon Community Lending pilot program in partnership with Lendistry

Amazon is committed to providing access to a diverse set of financing options to small and medium-sized businesses selling in Amazon’s store. One of the ways we are doing this is by working with partners who have a shared mission. The Amazon Community Lending pilot program is a partnership between Amazon and Lendistry, an established minority-led Community Development Financial Institution (CDFI), which serves urban and rural small businesses in socially and economically distressed communities. The majority of the funds Lendistry disburses goes to traditionally low-to-moderate income and other historically disadvantaged business owners and the communities they serve, including but not limited to, African American and Hispanic-Latino populations.

In addition to financing, program participants will be able to leverage specific supplementary resources from Lendistry, which may include one-on-one consulting, webinars, and on-demand educational classes, curated and tailored to meet the unique needs of the businesses served by Lendistry.
All U.S.-based Selling Partners are invited to learn more and determine if financing options from Lendistry are the right fit for their business needs. Business owners who identify with communities that Lendistry aims to serve are encouraged to apply. This includes African American- and Hispanic-Latino-owned businesses, and individuals from CDFI-designated investment areas.1

Since inception,
Lendistry has provided

472K+

small businesses with loans and grants

$7.3B+

total in loans and grants
The majority of which has helped historically underserved business owners.

Getting started

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

If your business is eligible to apply, you'll see a message from Amazon Lending.

Step 3

Choose the financing option that works best for your business, up to the full amount your business is eligible to apply for.

Step 4

Follow steps to complete your business’s online application for the selected financing option.

How can financing options help grow your business?

Inventory management
Use funds to bulk buy inventory and be better stocked ahead of key sales events for your shoppers.
Product line expansion
Use funds to expand your business’s product line and sell to new customers who are searching for products like your business’s.
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 the different business financing products available through Amazon?
Amazon Lending and third-party lenders provide a range of financial solutions to give sellers maximum flexibility. Financial solutions vary based on the region. In the U.S., term loans, interest-only loans, and lines of credit are available to eligible, U.S.-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 long does it take to process an application?
For loans issued by Amazon Lending, once an application is submitted, we average five business days 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’s loan. Additional processing time may be required to complete this review. For loans issued by third-party lenders, decision time may vary. To learn more about the loan application process with a third-party lender, visit our Seller Central Help page (login required).
How is Amazon supporting small and medium-sized businesses selling on the Amazon.com online store?
In 2020, Amazon invested more than $18 billion in the success of its third-party selling partners, including tools, services, programs, infrastructure, and people. Learn more about how Amazon invests in the success of entrepreneurs, artisans, and small businesses.
I have another question about Amazon Lending and third-party lenders.
Visit the Amazon Lending Help page and the third-party lending Help page in Seller Central to learn more about our programs (login required).
NEW

Amazon Community Lending pilot program in partnership with Lendistry

All U.S.-based Selling Partners are invited to learn more and determine if financing options from Lendistry are the right fit for their business needs. Business owners who identify with communities that Lendistry aims to serve are encouraged to apply. This includes African American- and Hispanic-Latino-owned businesses, and individuals from CDFI-designated investment areas¹.
¹ Learn more about what may constitute a CDFI investment area.