Amazon Lending

Amazon Lending is a business financing program offered by Amazon to eligible third-party sellers on the Amazon marketplace. It is available only to sellers who already sell through Amazon's platform and is not accessible to businesses that do not have an active Amazon seller account.

Amazon Lending provides term loans to eligible Amazon sellers to help them purchase inventory, expand their product catalog or grow their business operations. Loan offers are generated based on Amazon's analysis of the seller's account history, sales performance and other metrics that Amazon tracks internally. Eligible sellers may see a loan offer in their Amazon Seller Central dashboard.

Repayment of Amazon Lending loans is typically made through automatic deductions from the seller's Amazon account balance, often using proceeds from marketplace sales. This makes repayment straightforward for active sellers.

Amazon Lending is not a bank and operates as a non-traditional lending product embedded within the Amazon seller ecosystem. The product is designed for convenience and accessibility within the Amazon platform rather than as a comprehensive business financing solution.

As with any platform-embedded financing product, business owners should carefully review the full cost of borrowing, including the effective annual interest rate and any fees, before accepting an Amazon Lending offer. The terms should be compared against alternatives including bank term loans, SBA loans, credit union financing and other small business lenders.

Amazon Lending is best suited to sellers who are growing their Amazon business and need working capital specifically tied to inventory or operations on the platform. It is not designed as a general-purpose business loan for expenses outside of the Amazon selling business.