Overview

Amazon has partnered with Parafin to offer merchant cash advances to qualifying US-based sellers, providing an alternative funding option that doesn't rely on credit scores or charge interest. Eligible sellers can access advances of up to $2,000,000, with repayment tied directly to a percentage of their sales. Understanding how this program works is essential for sellers considering outside capital to grow their Amazon businesses.

Key Points

• Invitation-only program — Parafin cash advances are only available to sellers who meet specific sales-based eligibility criteria. If you qualify, you'll see an option card on your Seller Central homepage or receive an email notification.
• No credit check required — Parafin verifies your identity and business details for compliance purposes, but this is not a credit check and will not affect your credit score.
• Fixed capital fee instead of interest — Rather than charging interest, Parafin charges a one-time, transparent capital fee that is locked in when you accept the offer and never changes.
• Sales-based repayment — Payments are automatically debited as a fixed percentage of your weekly gross sales, meaning you pay more when business is strong and less during slower periods.
• Up to $2 million available — Depending on your sales history and performance, eligible sellers can access significant funding through the program.

How the Program Works

When you're eligible, Parafin determines your invitation amount based on your sales performance on Amazon.com. Sellers may also be able to increase their offer by connecting sales data from other e-commerce platforms such as Shopify, WooCommerce, and similar marketplaces. By sharing this additional revenue data, Parafin can factor in your broader business performance and potentially offer a higher advance amount. The entire process is designed to be straightforward, with all terms clearly displayed before you accept any offer.

Understanding the Capital Fee

Instead of interest, Parafin charges a flat capital fee that varies based on the size of the offer, the repayment term, and your business performance. For example, a $10,000 advance might carry a $750 capital fee, bringing your total repayment to $10,750. All payments you make are applied proportionally to this total — there is no separate allocation between principal and fee. The capital fee is fully transparent and will not change after you accept the advance. If you pay off your advance significantly faster than expected, you may even receive a partial rebate on the fee.