Overview

Amazon has joined forces with the UK‑based lender Bridge to roll out a term‑financing product for qualified sellers on its British marketplace. The new option can provide up to £5 million in capital with repayment stretched over 18 months, and it is accessed directly from the Seller Central dashboard. Sellers looking to fund inventory purchases, expand operations, or bridge seasonal cash‑flow gaps should take note because the program promises a faster, guarantee‑free alternative to traditional bank loans.

Key Points

• Bridge integration in Seller Central — UK sellers now see a “Bridge Financing” widget on their homepage, allowing a single‑click start to the application.
• Funding ceiling of £5 million — The ceiling is high enough to support large‑scale inventory builds, new product launches, or even acquisition‑level projects.
• 18‑month repayment window — Compared with Amazon’s typical 3‑to‑12‑month loans, the extended term lets sellers match repayments to longer sales cycles.
• No personal guarantees required — The obligation is recorded as a business liability, meaning founders’ personal assets are not tied to the loan.
• Two‑day qualification decision — After submitting the online form, Bridge’s underwriting engine returns an approval or decline within 48 hours.
• Transparent pricing, no hidden fees — Bridge advertises a fixed interest rate disclosed up front, eliminating surprise service charges that appear in some alternative fintech products.

How Bridge Term Financing Works

1. Initiate application in Seller Central — A seller clicks the “Apply for Bridge Financing” button, fills out basic company details, and selects the desired loan amount; for example, a seller of home‑goods may request £750 k to stock a new winter line.
2. Bridge conducts automated underwriting — Using Amazon sales data, account health metrics, and the seller’s financial statements, Bridge’s algorithm evaluates creditworthiness; in a typical case, a seller with three years of steady monthly sales above £150 k receives a conditional offer within the two‑day window.