Amazon Lending
Convenient financing options for your business
Amazon Lending provides business financing to help eligible US small and medium-sized businesses reach their goals. Apply to this invite-only program in minutes, with no lengthy paperwork or long wait times.1
Did you know?
You no longer need to choose between a term loan and a line of credit.
If eligible, your business can now accept term loans from Amazon Lending and lines of credit from Marcus by Goldman Sachs at the same time.
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.
Darlyng & Co.®
"We weren't able to just walk into the bank and get a loan. That was our first loan. It came in our bank account in a few hours. It was incredible.” 2
Tara Darnley
CEO & Co-founder
Eligible small businesses can borrow up to $2 million in business funding.
Quick access to funds
Applying for a small business loan takes minutes. Depending on the type of loan you choose, we don’t run any credit checks so applying for a business loan does not impact your credit score.
Transparent costs
Calculate how much you want to finance and what repayments could look like with our loan calculator in the application form, and see the total cost of borrowing before you submit.
Choose financing that's right for your business
Whether it's increasing inventory, investing in product development, or something else, Amazon Lending provides financing options designed to meet your business goals.
Benefits of Amazon Lending
Fast approval
Wait times depending on the product your business chooses.
Flexibility
Access more than one financing option if your business qualifies for multiple products (Amazon Community Lending Term Loan and Parafin Merchant Cash Advance excluded).
Simple application
No lengthy paperwork required. Complete the application online.
Free up cash flow
Cover inventory costs, develop new products, and pay advertising and marketing expenses.
Manage inventory
Bulk buy inventory and stock up ahead of key sales events.
Available products
We are constantly expanding to build a portfolio of financing tools for all your business needs, including partnering with third-parties to provide a variety of products to support sellers.
Product Description
Product Interest Rate
Product Provider(s)
Interest Only (IO) Loan
Non-revolving sum of funding that provides sellers the flexibility to repay on interest amount for fixed period of time before repayment on the principal amount (amount of the loan itself). After the interest-only period expires, equal monthly principal (amortizied) and interest repayment is required.
Fixed
Amazon Lending: offering a convenient application process directly through Seller Central with no lengthy paperwork.
Business Line of Credit (LoC)
A flexible financing option that provides sellers with access to funding up to an assigned credit limit. Sellers may request funds as needed (subject to credit approval), enabling them to build inventory, fund operations, and quickly take advantage of business opportunities.
Interest accrues at a fixed rate on the drawn balance, so sellers only pays interest on the funds it is using. This fixed rate is locked in for the life of the line of credit agreement.
Marcus by Goldman Sachs: Marcus by Goldman Sachs combines over 150 years of financial experience with always-innovating technology to offer products that help consumers and businesses save, spend, invest and borrow. In collaboration with Amazon Lending, Marcus by Goldman Sachs offers competitively priced financing products to sellers on the Amazon.com online store.
Merchant Cash Advance (MCA)
A non-revolving sum of funding that provides sellers with a sustainable way to grow their business. With flexible payment, no personal collateral required and no late fees, a merchant cash advance provides sellers funding to help run and grow their business. Unlike interest-bearing loans, the advance ties payment to a portion of a seller’s future sales for a fixed capital fee, there are no additional fees or interest charged.
There is no interest on a merchant cash advance. Sellers pay a fixed capital fee.
Parafin: Parafin is a business financing provider that was founded with the mission to grow small businesses. Started by a dedicated group of data scientists and engineers who watched small businesses get left behind during the pandemic, their focus is providing small businesses with fast, easy access to capital. Parafin offers a merchant cash advance to sellers on the Amazon.com online store.
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 1
Step 2
Check to see if your business is eligible to apply for any financing solutions. If your business is eligible, you’ll see the option card on your Seller Central homepage.
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.
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 financing 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, lines of credit, and merchant cash advances 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.
I am interested in the line of credit option. How can I get started?
If your business is eligible to apply, Marcus Business Line of Credit by Goldman Sachs will be listed in Seller Central as a financing option. When you click “Start application” for the Marcus Business Line of Credit, you’ll be redirected to Marcus’s website to verify eligibility and complete your business’s application. Once you submit, Marcus will review the application and let you know their decision. Please direct any specific questions about your line of credit application to Marcus by Goldman Sachs at 1-833-906-2224.
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 financing issued by third-party financing providers, decision time may vary. To learn more about the application process with a third-party financing provider, 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 financing providers Help page in Seller Central to learn more about our programs (login required).
Finance your business needs with Amazon Lending
1 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.
2 The time required for funds to be deposited in your account may vary, depending on the receiving bank and its processing times.
