Amazon Seller Funding

Compare business financing for Amazon sellers and find the best rates without impact on your credit.

Enter loan amount
Our Lending Partner Network
Amazon Seller Financing

Business Loans for Amazon Sellers

Amazon isn’t just an online retailer - Amazon Marketplace means that Amazon is now a global marketplace where small businesses sell directly to millions of customers. Currently, around 50% of all items sold on Amazon are sold by marketplace sellers, and it can be a lucrative business if you manage your supply and pinpoint products and trends customers are looking for.

That said, it takes capital to develop new products, white label existing products, and get them shipped to FBA centers, so you may find yourself in need of a small business loan.

Applying for Amazon seller financing is fast and easy:

Fill out a simple and fast online application in just minutes

Compare best business loan rates and choose your offer

Receive funds towards your business needs

Checking rates won't impact your credit

Compare Amazon Seller Business Loans

What is Amazon seller funding?

Amazon seller funding are short-term financing options offered by Amazon to help small-and medium-sized businesses (SMBs) grow their businesses on Amazon. The loans are offered through Amazon Lending, which is an invitation-only program. To be eligible for an Amazon business loan, SMBs must have a good sales history on Amazon and meet certain financial requirements.

There are two main types of Amazon business loans:

  • Term loans: These loans have a fixed term and interest rate, and the repayments are made in monthly installments.
  • Merchant cash advances: These loans are based on a percentage of a SMB's future sales, and the repayments are made as a percentage of each sale.

The interest rates for Amazon business loans vary depending on the type of loan and the SMB's creditworthiness. However, the interest rates are typically lower than those offered by traditional banks.

How do business loans for Amazon sellers work?

Business loans for Amazon sellers can be a great way to finance your business growth. However, it's important to understand how these loans work before you apply.

There are a few different types of business loans available to Amazon sellers, each with its own process and repayment terms. However, most small business loans work in a similar way.

First, the lender will assess your creditworthiness and sales history to determine how much money you can borrow. Once you're approved for a loan, the lender will deposit the funds into your Amazon seller account. You'll then have to repay the loan over a set period of time, with interest.

The interest rate on a business loan will vary depending on the lender and your credit score. However, it's important to remember that business loans typically have higher interest rates than personal loans.

The repayment terms for a business loan will also vary. Some loans have fixed terms, while others have variable terms. Fixed-term loans have a set repayment schedule, while variable-term loans have an interest rate that can change over time.

If you're considering a business loan for your Amazon seller business, it's important to compare the terms and conditions of different lenders before you make a decision. You should also carefully consider your financial situation and make sure you can afford the monthly payments.

Types of financing options for Amazon sellers

There are a few different types of business loans available to Amazon sellers, each with its own benefits and drawbacks.

Small business line of credit

A small business line of credit is similar to a credit card, and allows you to borrow up to your credit limit and only pay interest on the money you borrow. This can be a particularly flexible and desirable form of funding for Amazon sellers, as it allows you to access funds as needed without having to reapply for a loan each time.

Working capital loans

Working capital loans are used to finance everyday business operations, such as payroll, rent, and debt repayments. These loans generally come with lower amounts and shorter terms than other small business loans, making them a good option for Amazon sellers who need quick access to funds. However, working capital loans usually require a personal guarantee, which means that you are personally liable for the loan if your business fails.

Small business term loans

Small business term loans are the traditional form of loan, where you receive a lump sum that you repay monthly at a fixed interest rate. These loans are generally repaid over 5 years (though can be more or less) and are intended to pay for a specific investment.

Inventory financing

Inventory financing is a type of loan that allows you to borrow a fixed amount to buy inventory. The inventory you purchase acts as collateral for the loan, so you only have to repay the loan if you are able to sell the inventory. This can be a good option for Amazon sellers who are looking to quickly increase their inventory levels.


Crowdfunding is a way to raise money from a large group of people, typically through an online platform. If you are able to successfully crowdfund your project, you will not have to repay any money. This can be a good option for Amazon sellers who are looking to raise money to produce a new product.

Why do Amazon sellers use business financing?

Here are some of the situations in which a small business loan can be beneficial to an Amazon seller:

  • To raise capital for their next purchase of inventory before their current supply runs out. This is a common use for business loans, as it allows Amazon sellers to keep their shelves stocked and meet customer demand.
  • To pay for advertising or put more money into a campaign that is getting good results. Amazon sellers can use business loans to pay for advertising on Amazon or other platforms. This can help them to reach a wider audience and increase their sales.
  • To help a physical store take the necessary steps to also sell on Amazon. This can be a great way for physical stores to reach a wider audience and increase their sales. A business loan can help them to cover the costs of setting up an Amazon store, such as listing fees, product photography, and shipping costs.
  • To develop a new product that is exclusive to their brand. This can be a great way to differentiate your Amazon store from the competition. A business loan can help you to cover the costs of product development, such as research and development, prototyping, and manufacturing.
  • To pay for white labeling. White labeling is a process where you sell a product that is manufactured by another company under your own brand name. This can be a great way to get started on Amazon without having to invest in your own product development. A business loan can help you to cover the costs of white labeling, such as product sourcing, packaging, and shipping.

In addition to these specific situations, a small business loan can also be beneficial to Amazon sellers in general by providing them with the capital they need to grow their businesses. This can include expanding their product offerings, increasing their marketing efforts, or entering new markets.

Pros and cons of business loans for Amazon sellers


  • It allows you to build momentum when your products or listings prove successful
  • You can invest more in successful marketing campaigns or try a new avenue
  • You can pay for product development so you can stand out in a crowded market
  • You can take advantage of opportunities as they arise


  • Trends come and go so you may find yourself having paid for something that’s no longer selling
  • If you’re sourcing your products abroad, a small business loan may not be enough to keep enough inventory to meet demand
  • It can be easy to make mistakes in the early years of an Amazon business and you may find yourself in debt before you’ve really gotten started
  • Amazon is in control, so if you were to lose your merchant account you may find your income has disappeared and you’ll have to cover the loan until you can build up your own store

Need help finding the right loan?

No worries, we've got you covered! Compare personalized loan options in just minutes without impact on your credit score.

How to qualify for an Amazon small business loan

The exact requirements for a business loan will vary depending on the type of loan you're applying for and the individual lender's requirements. However, there are some general requirements that you'll need to meet in order to have the best chance of being approved.

  • Personal credit score: A good personal credit score is usually required for a business loan. A score of 680 or higher is considered good, but some lenders may require a higher score.
  • Annual revenue: The amount of annual revenue you generate will also be a factor in whether or not you're approved for a loan. Some lenders require a minimum annual revenue of $50,000, while others may require more.
  • Business plan: A strong business plan is essential for any business loan application. Your business plan should include an explanation of how you plan to use the funds, as well as your financial projections.
  • Business history: The length of time you've been in business is also important. Some lenders may require you to have been in business for at least two years before they'll approve a loan.

Can a new Amazon seller get a small business loan?

If you're a new Amazon seller, you may have difficulty getting a business loan. Lenders will want to see that you have a proven track record of success before they're willing to lend you money. They'll also know that it's difficult to get your business found on Amazon without a strong strategy.

If you have a new product you want to bring to the marketplace, you may want to consider other forms of financing, such as crowdfunding, peer-to-peer lending, or angel investors. These options can be a good way to get the money you need to start your business without having to go through a traditional lender.

  • Crowdfunding is a way to raise money from a large group of people, typically through an online platform. You can use crowdfunding to raise money for a variety of purposes, including starting a new business, launching a new product, or covering the costs of marketing and advertising.
  • Peer-to-peer lending is a type of lending where individuals lend money to other individuals or businesses. This can be a good option for businesses that don't qualify for a traditional loan from a bank.
  • Angel investors are wealthy individuals who invest in early-stage businesses. They're typically looking for businesses with high growth potential.

If you're considering any of these forms of financing, it's important to do your research and understand the risks involved. You should also be prepared to provide potential investors with a strong business plan and a clear explanation of how you'll use the funds.

What documents will I need to get approved for Amazon business financing?

The specific documents you need to provide will vary depending on the lender, but some common documents include:

  • Your ID: This could be a driver's license, passport, or other government-issued ID.
  • Business license: This is required if you have a business entity, such as a sole proprietorship, LLC, or corporation.
  • Business plan: This document should outline your business goals, strategies, and financial projections.
  • Profit and loss statement: This document shows your business's income and expenses over a period of time.
  • Bank statements: These statements show your business's cash flow over a period of time.
  • Tax returns: Your personal and business tax returns for the past few years.

In addition to these documents, you may also be asked to provide other documentation, such as:

  • Financial statements from your accountant: This can help lenders to understand your business's financial health.
  • Letters of recommendation from suppliers, customers, or other business associates: These letters can help to demonstrate your credibility and trustworthiness.
  • Business collateral: This could include inventory, equipment, or real estate.

Will I need to put down a down payment for my small business loan as an Amazon seller?

The answer to this question depends on the type of loan you are applying for and the lender you are working with. Some lenders do require a down payment, while others do not.

  • SBA loans: The SBA (Small Business Administration) offers a variety of loan programs for small businesses, including the 7(a) loan program. 7(a) loans typically require a down payment of 10%, but this can vary depending on the lender and the borrower's credit score.
  • Inventory financing: Inventory financing is a type of loan that is specifically used to purchase inventory. Some lenders that offer inventory financing require a down payment, while others do not.
  • Equipment financing: Equipment financing is a type of loan that is specifically used to purchase equipment. Some lenders that offer equipment financing require a down payment, while others do not.

If you are unsure whether or not you will need to put down a down payment for your small business loan, you should contact the lender you are working with to inquire about their specific requirements.

Here are some additional factors that may affect whether or not you need to put down a down payment:

  • Your credit score: Lenders typically require a higher down payment from borrowers with lower credit scores.
  • Your business's financial health: Lenders are more likely to require a down payment from businesses that are not financially stable.
  • The amount of the loan: Lenders may require a down payment for larger loans.

How to get an Amazon business loan

Here are the steps on how to get an Amazon business loan:

  1. Research different lenders. There are many different lenders that offer business loans, so it's important to research your options and compare rates and terms. You can find a list of lenders online or by asking your accountant or business advisor for recommendations.
  2. Gather your documentation. Before you apply for a loan, you'll need to gather all of the necessary documentation, such as your business plan, tax returns, and bank statements. This will help lenders to assess your financial health and determine whether or not you're a good risk.
  3. Complete the loan application. Once you've chosen a lender, you'll need to complete the loan application. This process usually involves providing your personal and business information, as well as your financial documentation.
  4. Be prepared to answer questions. Lenders will likely ask you questions about your business and your financial situation. Be prepared to answer these questions honestly and in a clear way.
  5. Wait for a decision. Once you've submitted your loan application, you'll need to wait for a decision from the lender. This process can take a few days or weeks, depending on the lender.
  6. Sign the loan documents. If your loan is approved, you'll need to sign the loan documents. This will officially finalize the loan and you'll be able to start using the funds.

Compare Business Loan Offers

How Pasha Funding Works

How it Works
Apply in minutes

Get pre-qualified in minutes and compare offers from top lenders.

Choose your offer

Compare and choose an offer that works best for you based on your timeline and budget needs.

Get funded

After your loan is approved with the lender of your choice, receive your funds.

Popular Business Funding Options

Get Fast Funding For Your Business

Compare business loans from top lenders without negative impact on your credit score.

Business Loans By Credit

Business Loans for Fair Credit
Business Loans for Good Credit
Business Loans for Excellent Credit

*Disclaimer: does not function as a lender. The offers provided on this website are provided solely by third parties, who compensate for their inclusion. We would like to emphasize that will not contact you regarding any loan application resulting from the aforementioned offers, and we will never request financial information or any sensitive personal data via phone, email, or any other means.

REMEMBER, it is essential to exercise caution and never share any financial information or sensitive personal data over the phone or via email without independently verifying the identity of the company initiating the communication first!