Overview

Amazon offers eligible sellers access to business financing through a network of third-party lending partners as part of its Amazon Lending program. These financing options — including term loans, lines of credit, and merchant cash advances — are designed to help qualifying sellers fund inventory, expand operations, and grow their Amazon businesses. Understanding how this program works, including bank account requirements and application rules, is essential for sellers considering outside capital.

Key Points / What Sellers Need to Know

• Invitation-only access — The third-party financing program is not open to all sellers. Only those who meet specific criteria set by each lending partner will see financing options in their Seller Central account.
• Multiple product types available — Sellers may be offered term loans, lines of credit, or merchant cash advances depending on which providers they qualify with.
• Direct agreements with lenders — Amazon is not a party to the financing agreement. Sellers sign contracts directly with the third-party provider, meaning repayment terms and conditions are governed by that lender.
• Bank account locking is required — Accepting financing from a third-party provider typically requires locking the bank account on file with Amazon, which cannot be changed until the loan is fully repaid.
• Data sharing requires consent — Amazon will only share your business sales and performance data with a financing provider after you explicitly agree. No personal information is shared without your authorization.

How the Program Works

Amazon's third-party financing program currently features multiple lending partners in the US, each offering a different type of financing product by invitation. Eligible sellers will see available options when logged into their Seller Central account. The process begins with reviewing the offers displayed, then choosing to apply with one or more providers. Before being redirected to a lender's application page, Amazon asks for your consent to share business sales data. If you decline, no data is shared and the application does not proceed. Each lender independently determines what additional documentation or information they need to process your application.