Overview

Amazon has partnered with Intuit's QuickBooks Capital to offer financing options to sellers who use QuickBooks for their business accounting. Through this program, eligible sellers can access business loans ranging from $1,500 to $200,000, with a streamlined application process that leverages their existing QuickBooks financial data. For Amazon sellers looking to fund inventory purchases, expand operations, or manage cash flow, this lending option provides an alternative to traditional bank loans.

Key Points / What Sellers Need to Know

• Loan amounts range from $1,500 to $200,000 — This gives sellers flexibility whether they need a small cash injection for inventory or a larger sum to scale their operations significantly.
• No hidden fees — QuickBooks Capital charges no origination fees, prepayment penalties, or late fees. Borrowers only pay loan interest on the amount financed.
• APR ranges from 9.99% to 36% — Interest rates vary based on creditworthiness and other factors, with rates subject to change. Loans are issued through Cross River Bank.
• No impact on personal credit score — The application process involves only a soft credit pull, meaning sellers can explore their options without worrying about a hit to their personal credit.
• Fast funding turnaround — Once approved, funds are typically available within one to two business days, though timing may vary depending on third-party processing.
• QuickBooks account required — This financing option is exclusively available to existing QuickBooks customers.

How It Works

The QuickBooks Capital lending program is designed to simplify the borrowing process for small business owners who already manage their finances through QuickBooks. Because your business data is already stored within the platform, the application process is streamlined — eligible sellers can sign into their QuickBooks account and apply directly. Loan terms range from 6 to 24 months, giving borrowers flexibility in how they structure repayment. The entire process is handled through QuickBooks in partnership with Cross River Bank, which serves as the issuing financial institution.