Working capital loans designed with your business needs in mind

Find out if your Amazon business is prequalified with no impact to your credit score.
New to selling on Amazon? Learn more.
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We share your goal of growing your business on Amazon

Amazon Lending provides funding to help grow your business on Amazon. Loan invitations 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, up to the full amount you’re prequalified for, and there’s no penalty for prepayment.

How Amazon Lending works

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Simple application
Complete a simple one-page application in Seller Central. No paperwork required.
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Quick access to funds
Most approved loans are securely 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 prepayment penalty.

Getting started with Amazon Lending

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A straightforward approach to business lending ⁠— we make the borrowing process easy so you can focus on more important things, like growing your business.
2. Check if your business is prequalified in seconds.
3. Choose the amount and term length that works best for your business, up to the full amount you’re prequalified for.
4. Access your funds in your Seller Central account within five business days*.

How can Amazon Lending help grow your business?

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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
    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 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 loan. Additional processing time may be required to complete this review.
    How do I make payments?
    You loan payments are automatically deducted from the first seller account 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 a prepayment penalty. Early payment would also result in interest savings, as we prorate interest due based on the remaining balance.
    My business is not prequalified. How do I apply for a loan?
    Amazon Lending extends loan invitations to prequalified sellers. We evaluate seller accounts daily and extend invitations to sellers who have a proven track record of growing sales and who provide the highest level of customer satisfaction. If your business is currently not prequalified, we recommend visiting our Help page in Seller Central to learn more about some of the important factors that determine eligibility.
    I have another question about Amazon Lending.
    Visit our Help page in Seller Central to learn more.
*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.