Also known as: 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.
Quick info
Business Loans
Amazon Lending
Amazon.com, Inc.
Not verified
2026-06-06
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Business loans and merchant cash advances for Amazon sellers
Additional notes
Available to qualifying Amazon sellers only. By invitation — borrowers cannot apply independently. Review all terms before accepting.Review scores are third-party public indicators only. They are not a recommendation or endorsement by Ask Fin and are not a measure of product suitability for your circumstances.
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Source URLs
Date checked
2026-06-06
How do I make a complaint about Amazon Lending?
Start with Amazon Lending's internal complaints process. If unresolved, you can submit a complaint to the CFPB at consumerfinance.gov/complaint. Depending on the type of company, your state attorney general or banking regulator may also be relevant.
Is Amazon Lending regulated in the US?
Use the NMLS Consumer Access tool at nmlsconsumeraccess.org to check licensing. For banks, check the FDIC BankFind Suite. For credit unions, check the NCUA Credit Union Locator. Ask Fin includes regulatory reference numbers where publicly available.
How do I find Amazon Lending's official contact details?
Always use the contact details on the company's official website. Do not use numbers or emails received in unsolicited calls or messages. Verify the website by checking the NMLS or FDIC/NCUA databases if in doubt.
What should I do if I think Amazon Lending has treated me unfairly?
Document everything in writing. Contact the company's complaints team first. If not resolved, submit a complaint to the CFPB or your state attorney general. The NFCC (1-800-388-2227) can provide free guidance for debt-related issues.
Where can I get free help with a Amazon Lending issue?
Contact the CFPB (consumerfinance.gov), call 211 for local resources, or contact the NFCC (nfcc.org or 1-800-388-2227) for debt and budget help. For legal issues, Legal Services Corporation (lsc.gov) provides free legal aid.
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