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Amazon financing options for online sellers

Updated: Aug 27

Exploring Amazon Financing Options for Online Sellers


In the ever-evolving landscape of e-commerce, Amazon stands as a giant, providing an extensive platform for online sellers to reach a vast audience. As an online seller, understanding the financing options offered by Amazon can be crucial to growing your business. In this blog, we'll delve into the various financing choices Amazon provides to empower sellers, helping you make informed decisions to drive your business forward.

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1. Amazon Lending:

Amazon Lending is a financing program designed exclusively for Amazon sellers. Eligible sellers receive invitations from Amazon, based on their account history and performance metrics. This program offers short-term loans ranging from a few thousand to up to a million dollars, with fixed interest rates. The loans are intended to aid sellers in inventory management, advertising, and expansion efforts.

2. Payability:

Payability is an independent financing solution that partners with Amazon to provide sellers with faster access to their earnings. Instead of waiting for the standard 14-day payout, sellers can receive their earnings on a daily basis. This accelerated cash flow can be particularly beneficial for maintaining inventory levels, launching new products, or running advertising campaigns.

3. Amazon Business Prime American Express Card:

This credit card is tailored for Amazon Business sellers. It offers rewards such as cashback or points on Amazon purchases, which can then be reinvested into the business. Additionally, the card provides extended payment terms, helping sellers manage cash flow better.

4. Seller Fulfilled Prime (SFP) Financing:

Seller Fulfilled Prime allows eligible sellers to offer Prime-eligible products without storing them in Amazon fulfillment centers. SFP Financing is a program that provides credit to sellers using this option. It assists in covering the costs associated with meeting Prime delivery standards, including shipping and packaging improvements.

5. Amazon Working Capital:

Amazon Working Capital is a short-term financing option offered to sellers based on their account performance. Unlike Amazon Lending, it doesn't require an invitation; sellers can apply directly. The program provides a lump sum amount that sellers repay by deducting a percentage from their sales until the loan is repaid.

6. Small Business Loans by Amazon:

In partnership with Goldman Sachs, Amazon introduced a program offering small business loans to sellers in the United States in 2021. These loans are intended to provide working capital to sellers looking to expand their businesses.


The financing options provided by Amazon open doors of opportunity for online sellers to scale their businesses efficiently. From short-term loans to accelerated payouts and credit cards tailored for business needs, these options cater to a variety of requirements. When considering financing options, it's important to carefully assess the terms, interest rates, and your business's financial situation. By leveraging these Amazon financing programs effectively, online sellers can take their businesses to new heights in the competitive world of e-commerce.

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