Amazon Lending is Amazon's financing program for eligible US small and medium-sized sellers, but Amazon doesn't lend you the cash itself. Third-party providers such as Parafin, QuickBooks Capital, Uncapped, Slope, iBusiness Funding and Lendistry make the offer and the decision, and you'll only see an offer if an invitation shows up in Seller Central.
Here's the catch. There's no single Amazon Lending rate. Each product is priced differently: some charge interest, some charge a fixed capital fee, one takes a share of your future sales, and one charges a fee worked out as a percentage of the loan. Amazon's page doesn't give a headline number, so the thing to compare is how you repay.
This page covers Amazon's US Lending page as of October 2026. Amazon says financing options vary by region, so sellers outside the US will see different products.
How to apply for Amazon Lending, step by step
- Check for financing invitations in Seller Central.
- Review the terms and pick an option, up to the full amount you're eligible for, then click Start Application.
- Agree to share your Amazon selling data with the provider, and complete their application on the provider's own site.
- Wait for the provider's decision, which Amazon says usually arrives within one business day.
- If you're approved and you accept the terms, the funds are paid into your account.
Amazon's timings in its FAQ are a little looser than the steps. It says applying takes minutes for most applicants, decisions are usually made in less than three business days, and approved funds are typically paid out within two business days. Your receiving bank, or a provider asking for extra documents, can stretch that.
Amazon says you can use the funds for any business cost, and lists marketing, new product lines, workforce, infrastructure, inventory and ads as examples.
Who lends through Amazon, and what they offer
In the US, the products are term loans, merchant cash advances, lines of credit and SBA 7(a) loans, each from a different provider. These are the providers Amazon names on the page.
| Provider | What Amazon lists them for |
|---|---|
| Parafin | Term loan and merchant cash advance, both with a fixed capital fee |
| QuickBooks Capital | Term loan, issued by WebBank |
| Uncapped | Term loan and line of credit |
| Slope | Line of credit |
| iBusiness Funding | SBA 7(a) loan |
| Lendistry | The Amazon Community Lending program |
How each option is repaid and priced
| Product | How you repay | Cost Amazon lists |
|---|---|---|
| Term loan | Equal monthly payments of principal plus interest | Fixed interest rate |
| Term loan, capital-fee type (Parafin) | Equal biweekly payments | Fixed capital fee, no interest, no late fees |
| Merchant cash advance (Parafin) | A set share of future gross sales | Fixed capital fee, no interest |
| Term loan, fee type (Uncapped) | Payments over the life of the loan | Fixed fee set as a percentage of the loan amount |
| Line of credit (Slope, Uncapped) | Revolving: you pay on what you draw | Interest on the drawn balance only |
| SBA 7(a) loan (iBusiness Funding) | Equal monthly payments | Variable rate of prime plus one and a half to six and a half percent |
The detail behind each one is where the differences show.
QuickBooks Capital term loan. As of October 2026, Amazon's page lists loans from $1,500 to $250,000, paid back over 6 to 24 months in equal weekly or monthly payments. You don't need a paid QuickBooks subscription, and applying has no impact on your personal credit score.
Parafin. Both Parafin products use a fixed capital fee instead of interest. The term version is repaid in equal biweekly payments, with no interest, no collateral and no late fees. The merchant cash advance has no interest and no personal collateral. You repay a set share of your future gross sales, called the Payment Rate, which you see before you accept, so your repayments rise and fall with your monthly sales. The capital fee is flat and doesn't change after you accept.
Uncapped. The term loan's fee is fixed, calculated as a percentage of the total loan amount, set at the start and paid over the life of the loan. The line of credit is revolving, with a fixed interest rate on the drawn balance only, locked in for the life of the agreement, and the limit available to you grows with your revenue.
Slope line of credit. It's revolving, and you pay interest on what you draw at the stated APR. There are no origination or maintenance fees, and lines go up to $5M as of October 2026.
iBusiness Funding SBA 7(a) loan. It's non-revolving and repaid in equal monthly payments. The rate is variable, prime plus one and a half to six and a half percent depending on loan size, and lender fees are capped at up to $2,500 depending on what you use the funds for, as of October 2026.
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What providers look for, and what applying does to your credit
Amazon says providers weigh several factors, and they're looking for sellers with a proven track record of growing sales and the highest level of customer satisfaction. You may be eligible for one option or several at any time.
On credit, Amazon's page says applying through the Amazon Lending program doesn't affect your personal credit. It also says that paying Lendistry on time can help build your business credit.
One more number from the same page: a footnote puts a Professional selling account at $39.99 per month plus selling fees, as of October 2026. For every other Amazon charge, here's a breakdown of what Amazon takes from sellers.
My verdict on Amazon Lending
I won't tell you whether to borrow, because that's a call for you and your accountant. What I'd do is read the repayment structure before the amount. A fixed monthly payment, a biweekly payment and a share of your sales feel very different in a slow month, and the provider, not Amazon, sets the terms. Don't accept until you've seen the fee, the rate or the Payment Rate written down. If you're at the stage of planning stock for a first launch, start with how to start an Amazon FBA business.
Financing pays for the stock. Getting your products found, in search and in AI answers, is where I help. I run AI training and workshops for teams, and help businesses with AI enablement, AI automation and GEO, which is about getting your business seen and cited in AI answers. Most of that work is with SaaS marketing teams, telecom companies and small businesses. Here's how we can work together.
Frequently asked questions
Does Amazon lend to sellers directly?
Not directly. Amazon Lending works through third-party providers, and the provider makes the lending decision.
How do I get an Amazon Lending offer?
Check for financing invitations in Seller Central. Offers go to eligible US sellers, and providers look for a track record of growing sales and high customer satisfaction.
How fast is Amazon Lending?
Amazon says applying takes minutes for most people, decisions usually come in less than three business days, and approved funds are typically paid within two business days.
Does applying for Amazon Lending affect my credit?
Amazon says applying through the program doesn't affect your personal credit. Paying Lendistry on time can help build business credit.
What is a merchant cash advance on Amazon?
It's a Parafin product with no interest and no personal collateral. You repay a set share of future gross sales, plus a flat capital fee that doesn't change after you accept.
