Overview

Amazon has partnered with SellersFi (formerly Sellers Funding) to offer financing options directly through Seller Central. Eligible US-based Amazon sellers can access business lines of credit up to $10 million and term loans up to $2.5 million, providing capital to fund inventory, expand product lines, and grow their operations.

Key Points / What Sellers Need to Know

• Invitation-only program — Amazon Lending through SellersFi is not open to all sellers. Only qualifying US-based businesses that receive an invitation through Seller Central can apply for financing.
• Two financing products available — Sellers can choose between a revolving business line of credit or a fixed term loan, depending on their capital needs and repayment preferences.
• Substantial credit limits — Lines of credit are available for up to $10 million, while term loans can reach up to $2.5 million, making this suitable for sellers at various stages of growth.
• Integrated with Seller Central — The application and management process is handled within the Amazon ecosystem, streamlining access for active sellers.
• SellersFi is the lender — While the program is offered through Amazon, SellersFi is the third-party financial provider that underwrites and services the loans.

How It Works

Sellers who meet Amazon's performance and sales thresholds may see a lending offer appear in their Seller Central dashboard. The invitation typically factors in account health, sales history, and overall business metrics. Once invited, sellers can review the available financing options and submit an application directly through the platform. SellersFi handles the underwriting process, evaluating the seller's business financials to determine approval and final terms. Approved funds can then be used for any legitimate business purpose, including purchasing inventory, investing in advertising, or covering operational expenses.

Lines of Credit vs. Term Loans

The business line of credit functions as a revolving facility, meaning sellers can draw funds as needed up to their approved limit, repay, and borrow again. This is particularly useful for managing cash flow fluctuations and seasonal inventory purchases. Lines of credit through the program can reach up to $10 million for well-qualified sellers. Term loans, on the other hand, provide a lump sum of capital up to $2.5 million that is repaid over a fixed schedule with regular payments. Term loans may be better suited for larger one-time investments such as launching a new product line, purchasing bulk inventory, or funding a major business expansion.