Overview

Amazon has ended its in-house term loan program and transitioned its seller financing entirely to third-party providers. Sellers who previously relied on Amazon-underwritten loans will now receive financing invitations from vetted external lenders offering term loans, merchant cash advances, and lines of credit. This is a significant change for sellers who valued the simplicity of Amazon's integrated lending experience.

Key Points / What Sellers Need to Know

• Amazon no longer underwrites term loans directly — All financing is now handled through third-party providers selected by Amazon, ending the fully integrated lending experience many sellers were accustomed to.
• Financing is invitation-only — Sellers cannot apply proactively. Eligible sellers will see available offers on their financing page within Seller Central.
• The application process has changed — While invitations and disbursement banking details are still managed in Seller Central, the actual application, repayment, and refinancing now happen on the third-party provider's own website.
• Pre-qualification does not guarantee approval — Receiving a loan invitation means you pre-qualified, but a secondary review of your business may still result in a denial.
• Credit checks may occur but won't hurt your score — Amazon or its partners may review your business credit history as part of the application process, but this does not impact your credit score.

How the New Third-Party Lending Works

Under the previous system, Amazon managed every step of the lending process internally — from invitation through repayment and refinancing. The new model splits responsibilities between Amazon and external providers. Sellers will still receive invitations and manage certain account-level settings through Seller Central, but the bulk of the lending relationship moves off-platform. Once a seller accepts an offer, they will work directly with the third-party lender for repayment schedules, refinancing options, and customer support. The experience may vary depending on which provider extends the offer, so sellers should carefully review the terms from each lender before accepting.