Overview

Amazon has teamed up with Uncapped, an external financing firm, to extend term‑loan options to qualified U.S. sellers through the Amazon Lending portal. The partnership makes loans of up to $5 million available, but only to sellers who receive a direct invitation from Amazon. Sellers who secure an invitation can tap the capital to scale inventory, advertising, or other growth initiatives.

Key Points

• Invitation‑only access — Amazon reviews each seller’s performance metrics and extends offers only to those who meet internal thresholds; there is no open application form.
• Maximum funding of $5 million — Eligible sellers may be approved for loan amounts ranging from a few hundred thousand to the full $5 million ceiling, depending on their sales history.
• Fixed‑fee pricing — Instead of a variable interest rate, Uncapped applies a single percentage fee to the total loan balance, which is then spread evenly across all repayment installments.
• Early‑payoff advantage — If a seller chooses to settle the loan before the scheduled term, they owe only the remaining principal; the unused portion of the fixed fee is waived.
• Cross‑platform revenue consideration — By linking sales data from other e‑commerce sites (e.g., Shopify, Walmart), Uncapped can factor that income into the loan calculation, potentially raising the final offer.

How the Amazon‑Uncapped Loan Works

1. Eligibility assessment — Amazon’s internal algorithms analyze a seller’s order volume, account health, and growth trends. For example, a seller with $1.2 million in annual Amazon sales and a 99 % order‑defect rate may be flagged for invitation.
2. Invitation delivery — Qualified sellers receive a notification inside Seller Central’s Lending dashboard. The alert includes a preview of the loan amount range and repayment horizon.
3. Offer exploration — Upon clicking the invitation, the seller is redirected to Uncapped’s loan portal, where they can view detailed terms, such as a 6 % fixed fee on a $2 million loan repaid over 12 months.