The best financing options for Amazon businesses should offer a variety of loan options, a quick approval and disbursement process, excellent customer service, and flexible qualification requirements. Amazon Lending has designated third-party providers it recommends that are in collaboration with Amazon, and we’ve also included our recommendations for alternative lenders if those programs aren’t suitable for your business needs.
Here’s our list of the best Amazon business financing options for you to consider:
Our Recommended Amazon Business Financing Providers:
- Clarify Capital: Best overall for flexible qualification requirements
- Bluevine: Best small business line of credit
- 1West: Best for borrowers with bad credit
- Lendio: Best for multiple loan options
- SBG Funding: Best for custom loan terms
- QuickBridge: Best for a simple application process
- Grasshopper Bank: Best for SBA loans
Amazon Lending Partners:
- Lendistry: Best Amazon Lending partnership program
- SellersFi: Best for high funding amounts
- Parafin: Best for merchant cash advances through Amazon
Best Financing Options for Amazon Businesses at a Glance
Our Recommended Providers
Maximum Loan Amount | Maximum Loan Term | Estimated Starting APR | Minimum Credit Score | Revenue Requirement | |
|---|---|---|---|---|---|
 | $5 million | Varies | 5% | $120,000 | |
 | $250,000 | 1 year | 7.8% | 625 | $120,000 |
 | 2 years | 500 | |||
 | |||||
 | $350,000 | ||||
 | $500,000 | 18 months | Varies | 600 | $250,000 |
 | $5 million | 10 years | 11.5% | 680 | Varies |
Amazon Lending Recommended Providers
Maximum Loan Amount | Maximum Loan Term | Estimated Starting APR | Minimum Credit Score | Revenue Requirement | |
|---|---|---|---|---|---|
 | $5 million | 5 years | 10.5% | 640 | $250,000 |
 | $10 million | 24 months | 9.99% | 600 | $2.5 million |
 | Varies | 9 months | Varies | None | None |
Clarify Capital: Best Overall for Flexible Qualification Requirements
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Rates & Terms | |
Estimated Starting APR | 5% |
Loan Amount | Up to $5 million |
Repayment Term | 2 years, but may vary by loan product |
Repayment Schedule | Varies |
Funding Speed | As fast as same-day |
Type of Financing | Term loan, line of credit, equipment financing, invoice factoring, merchant cash advance |
Qualifications | |
Credit Score |
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Time in Business | 6 months |
Annual Revenue | $120,000 |
Why We Like Clarify Capital
We chose Clarify Capital as our overall pick for flexible qualification requirements due to its combination of having some of the lowest credit score, time in business, and revenue requirements in this guide. As a broker with over 75 lending partners in its network, you’ll have access to a wide variety of financing options applicable to your business needs. In fact, it also made our list of the best working capital loans.
You’ll be assigned a designated loan advisor to help match you with the right lender and loan type suited to your business goals, and they can offer personalized recommendations and guidance throughout the loan process. Notably, you can secure financing with no collateral requirements, which can be useful for sellers with limited resources to secure the loan.
You can submit an application on the Clarify Capital website. There, you can fill out the application in as little as two minutes and at no cost to you. You can also preview financing options with no impact on your credit score.
Bluevine: Best Small Business Line of Credit
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Rates & Terms | |
Estimated Starting APR | 7.8% and up |
Loan Amount | Up to $250,000 |
Repayment Term | 6 or 12 months |
Repayment Schedule | Weekly, monthly |
Funding Speed | As fast as 24 hours |
Type of Financing | Line of credit |
Qualifications | |
Credit Score | 625 |
Time in Business | 12 months |
Annual Revenue | $120,000 |
Why We Like Bluevine
Bluevine offers a small business line of credit that allows sellers flexibility in financing since they can draw funds on an as-needed basis, up to the approved credit limit. The balance can be repaid over time, usually on a weekly payment plan, and you can continue to draw additional funds as you repay the loan. Funds drawn from the line can be deposited into your account of choice, with limited restrictions as to how the funds can be used—as long as it’s for business purposes.
Other providers listed here like Lendio and SellersFi also offer lines of credit; however, we like Bluevine for its favorable rates and terms and its versatility for a variety of business needs. For these reasons, we chose it as the best small business line of credit for merchants.
While Bluevine does have flexible qualification requirements, in addition to the qualifications listed above, you’ll also need the following to be eligible for financing:
- Be structured as a Corporation or LLC
- Have no bankruptcies within the past three years
- Be in good standing with your Secretary of State
- Operate or be incorporated in a state other than Nevada, North Dakota, or South Dakota
- Not operate in Bluevine’s list of restricted industries
You can visit Bluevine’s website to learn more and submit an application if you’re interested in its loan offerings.
1West: Best for Borrowers with Bad Credit
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Rates & Terms | |
Estimated Starting APR |
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Loan Amount |
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Repayment Term |
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Repayment Schedule | Monthly, but can vary depending on loan type |
Funding Speed | As little as 48 hours |
Type of Financing | Unsecured working capital loans, line of credit |
Qualifications | |
Credit Score | 500 |
Time in Business | 3 months |
Annual Revenue | $60,000 ($120,000 for a line of credit) |
Why We Like 1West
1West is another loan broker on our list that offers one of the lowest credit score requirements of this guide. In addition to overall flexible qualification requirements, it’s our pick for businesses with bad credit due to its ability to accommodate businesses with limited resources and credit history. However, these requirements can vary per loan type.
Similar to Clarify Capital and Lendio, 1West has a network of over 50 lenders. However, it differs from them in that it uses an automated system named “Automated Business Lending Engine” (ABLE), which allows applicants to use its online form and get matched with a variety of loan offers with a single application. This can streamline the overall process of getting funding since you don’t have to speak with a loan officer because everything is facilitated electronically.
Documentation requirements will vary depending on your financing needs but generally require three months’ worth of bank statements, government-issued identification, and a voided check for your business bank account. Visit the 1West website to learn more and submit an application.
Lendio: Best for Multiple Loan Options
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Rates & Terms | |
Estimated Starting APR |
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Loan Amount |
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Repayment Term |
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Repayment Schedule | Varies per loan program |
Funding Speed | As fast as 24 hours |
Type of Financing | A/R financing, line of credit, term loan, cash advance, equipment financing |
Qualifications | |
Credit Score |
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Time in Business |
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Annual Revenue |
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Why We Like Lendio
Lendio is a loan broker that rivals Clarify Capital with its network of over 75 participating lenders. Due to its large network, it offers a wide range of financing opportunities that offer flexible qualifications to businesses of all types, bettering your overall odds of approval. As such, you can compare loan terms and providers with a single loan application, making it our best choice for multiple loan options.
Its variety of loan offerings is supplemented with referrals and recommendations for other business services to support your operations, including features such as credit repair services, bookkeeping services, and legal assistance. The additional resources help it stand out from other brokers in this guide, such as 1West.
To learn more about the products and services offered by Lendio, you can visit its website or speak with a representative. There, you can also submit your application, which usually takes less than 15 minutes to complete. The application is free and won’t negatively impact your credit score.
SBG Funding: Best for Custom Loan Terms
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Rates & Terms | |
Estimated Starting APR |
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Loan Amount |
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Repayment Term |
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Repayment Schedule | Weekly, biweekly, monthly |
Funding Speed | As little as 24 hours |
Type of Financing | Term loan, line of credit |
Qualifications | |
Credit Score | 600 (650 for term loans) |
Time in Business | 6 months |
Annual Revenue | $350,000 |
Why We Like SBG Funding
SBG Funding offers flexible financing options that can provide your business with the structure it needs to meet business goals. Whether it be the adjustment of payment terms or frequency of payments, its loan offerings are highly customizable for sellers who meet the high revenue requirements and have good credit. It also ties with SellersFi in offering the highest loan amount on this list.
You can work with one of SBG Funding’s loan specialists to help you determine which of its financing options best suits your business needs, along with discussing loan terms and qualification requirements. Between term loans, lines of credit, SBA loans, and more, SBG Funding has some of the most comprehensive loan products in this guide. The amount of offerings, in addition to its customization capabilities, make it our top choice for merchants looking for custom loan terms.
To learn more or to apply, visit the SBG Funding website. There, you can complete an online application in under five minutes. Most lending decisions can be made within 12 hours, and if approved, funds can be deposited as soon as the same day.
QuickBridge: Best for a Simple Application Process
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Rates & Terms | |
Estimated Starting APR | Varies; Factor rates as low as 1.10x |
Loan Amount | Up to $500,000 |
Repayment Term | Up to 18 months |
Repayment Schedule | Daily, weekly |
Funding Speed | As fast as 24 hours after approval |
Type of Financing | Small business loans, working capital loans, and short-term business loans |
Qualifications | |
Credit Score | 600 |
Time in Business | 6 months |
Annual Revenue | $250,000 |
Why We Like QuickBridge
QuickBridge requires minimal documentation to submit and approve a loan application, making it our top choice for providers with a simple application process. In addition to a streamlined process, it has a variety of loan products that can offer fast funding speeds and personalized financing options.
Like Clarify Capital, QuickBridge allows borrowers to get funding without collateral requirements, which is uncommon for many lenders and can be an advantage for business owners. There are other perks in addition to this, including flexible payment options and early payoff discounts.
You can submit your application on the QuickBridge website and usually get a lending decision within a few hours. During the application process, you’ll be assigned a dedicated funding specialist who will work with you to match you with the best loan for your business and answer any questions you have regarding approval and funding.
Grasshopper Bank: Best for SBA Loans
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Rates & Terms | |
Estimated Starting APR | 11.5% to 14.5% |
Loan Amount | Up to $5 million |
Repayment Term | Varies; generally 10 years |
Repayment Schedule | Monthly |
Funding Speed | 30 to 60 days |
Type of Financing | SBA 7(a) Loan, SBA 504 loan |
Qualifications | |
Credit Score | 680 recommended |
Time in Business | 2 years recommended |
Annual Revenue | Varies |
Why We Like Grasshopper Bank
Grasshopper Bank is an SBA preferred lender that can issue SBA loans to eligible small businesses. As SBA loans have a notoriously lengthy application and disbursement process, Grasshopper Bank helps streamline the process by offering a digital application to help reduce timing and documentation obstacles common with other lending institutions. For this reason, we chose it as our top pick for borrowers looking for an SBA loan.
While lenders like QuickBridge also offer SBA loans, Grasshopper Bank specializes in them. It will work with you to ensure a seamless loan process, backed by a team of accomplished banking professionals to help you navigate the application.
Loan offerings include both SBA 7(a) loans and SBA 504 loans. Applicable to Amazon sellers, the SBA 7(a) program is the most common. SBA loans offer some of the most competitive rates and terms available since they are backed by the US Government and funds can also be used for a wide variety of business purposes.
Grasshopper Bank may be a great option for businesses that don’t need immediate access to funding and can wait to take advantage of more favorable rates. However, it’s important to keep in mind that qualification criteria will vary depending on the participating lender.
The provider doesn’t list specific requirements on its website, but the above qualifications are recommended for the best odds of approval. To begin an application or speak with a representative, visit Grasshopper Bank’s website.
Lendistry: Best Amazon Lending Partnership Program
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Rates & Terms | |
Estimated Starting APR | 10.5% to 14.5% |
Loan Amount | $25,000 to $5 million |
Repayment Term | 5 years |
Repayment Schedule | Monthly |
Funding Speed | As fast as two business days |
Type of Financing | Term loan |
Qualifications | |
Credit Score | 640 |
Time in Business | 2 years |
Annual Revenue | $250,000 |
Why We Like Lendistry
Lendistry is an Amazon Lending recommended provider and has a partnership called the Amazon Community Lending Program. This is one of three partnerships with Amazon Lending, alongside SellersFi and Parafin. However, this lender is our favorite pick out of the partners, as it is an established minority-led Community Development Financial Institution (CDFI), which serves urban and rural small businesses in socially and economically distressed communities.
This partnership provides term loans to qualified borrowers and aims to provide access to affordable financing for small and midsize businesses selling in the Amazon US store. It offers a fully digital experience and a simplified application process, with quick access to approval and funding.
In addition to its loan offerings, there are resources available to businesses in the form of consulting services, webinars, and educational classes for a wide variety of business owners. Amazon Lending recommends this provider for Amazon sellers who are planning long-term and growing continuously.
To learn more about this program or submit an application, you can visit Lendistry’s website or Amazon’s Seller Central to check your eligibility.
SellersFi: Best for High Funding Amounts
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Rates & Terms | |
Estimated Starting APR | 9.99% to 24.99% |
Loan Amount | $2.5 million to $10 million |
Repayment Term | Up to 24 months |
Repayment Schedule | Biweekly, monthly |
Funding Speed | 1 to 3 days |
Type of Financing | Line of credit |
Qualifications | |
Credit Score | 600 recommended |
Time in Business | 6 months |
Annual Revenue | $2.5 million |
Why We Like SellersFi
SellersFi is another Amazon Lending recommended provider that offers a line of credit to eligible Amazon sellers. It’s a global fintech company in collaboration with Amazon Lending that aims to help merchants looking to grow their business, stating to offer flexible financing solutions to make scaling your business easier and faster.
Notably, this option has a high minimum loan amount of $2.5 million, so this option may be best suited for borrowers in need of high funding amounts. Also, this lender does have a much higher annual revenue requirement than other line of credit providers listed here, such as Bluevine, so be sure to compare to find terms that best meet your business needs.
That said, the application process is simple, and you’ll have access to a dedicated account representative, should you need help applying or managing your application. You can also access an application from your Amazon Seller Central homepage: search for the SellersFi offer with your pre-qualification amount and then proceed to the SellersFi application flow.
Once completed, your application will be sent for review, with the SellersFi team reaching out about your approval status within 1 to 3 business days.
Parafin: Best for Merchant Cash Advances Through Amazon
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Rates & Terms | |
Estimated Starting APR | Varies |
Loan Amount | Up to 2x monthly sales |
Repayment Term | 6 to 9 months |
Repayment Schedule | Daily, weekly, bi-weekly |
Funding Speed | As little as 1 business day |
Type of Financing | Merchant cash advance |
Qualifications | |
Credit Score | None |
Time in Business | None |
Annual Revenue | None |
Why We Like Parafin
Parafin is a business financing provider recommended by Amazon Lending that aims to help the growth of small businesses with quick and simple access to working capital. As part of its partnership with Amazon Lending, sellers can get a merchant cash advance on the Amazon online store.
To determine eligibility, Parafin relies mainly on sales history. There are no lengthy paperwork requirements, credit checks, or collateral needed to secure financing. Notably, there’s no interest—instead, there’s a fixed fee tied to the merchant cash advance that the merchant is to pay over the term of the advance based on a fixed percentage of gross sales.
Keep in mind that getting a merchant cash advance is often a more expensive financing option, so it’s best suited as a last resort for businesses looking to bridge a gap in cash flow, cover short-term expenses, or get overall flexibility in financing their business operations. Because it can be expensive, we recommend comparing all of your options—check out the offerings from Clarify Capital and Lendio.
To learn more, you can schedule a demo with Parafin on its website and determine if its products will fit your business needs.
How We Chose the Best Financing Loans for Amazon Sellers
We considered the following items when choosing the best Amazon financing options:
- Amazon partnership inclusion
- Speed of application, approval, and funding
- Amount of paperwork required for approval
- Qualification requirements such as credit score, time in business, and revenue
- Repayment terms and schedule
- Loan amounts offered
- Loan types offered
- Interest rates and estimated APRs
- Customer reviews and ratings
How to Choose an Amazon Business Financing Company
When choosing a lender for Amazon business financing, you should consider the following:
- Determine your business needs. Depending on the needs of your business, you should choose a loan type and lender that are applicable to your financing goals. Whether you need a term loan, a line of credit, or a merchant cash advance, you should know what you’re looking for, how much you need to borrow, and how you plan to repay the loan. Then, find a lender with loan offerings that match that criteria.
- Review lender qualification requirements. Lenders will have varying qualification requirements depending on the loan type and will consider factors such as your credit score, time in business, and annual revenue. You should aim to meet the minimum qualifications to better your odds of approval.
- Compare loan costs and terms. Lastly, once you’ve found applicable lenders, you should compare the various rates, terms, and associated fees before submitting an application. You want to ensure you get financing that fits your budget and meets your business needs.
Alternatives to Amazon Business Financing
If you think the above options aren’t the best fit for your financing needs, you can consider the following alternatives for getting funding for Amazon sellers:
- Business Credit Card: As a revolving credit facility, you can use a business credit card to make business purchases on an as-needed basis, with the ability to repay the balance over time. This can be a good option for short-term expenses or covering gaps in cash flow or other emergencies. Head over to our guide on the best small business credit cards to find one that works for you.
- Microloan: If you don’t need a large sum of funding to support your business needs, you can consider a microloan. With loan amounts up to $50,000, it can offer quick access to funds and be easier to qualify for in comparison with other types of business loans. It also often has flexible rates and terms, depending on your qualifications.
- Personal loan for business purposes: If you don’t meet the necessary requirements to qualify for a business loan, you may have more luck getting a personal loan. Funding from a personal loan usually has little to no restrictions and can be used to support your business. These loans are based on your personal finances and creditworthiness rather than business criteria. To find a lender, check out our guide on the best personal loans for business funding.
Frequently Asked Questions (FAQs)
Amazon Lending has various partnerships with third-party providers that offer financing to eligible Amazon sellers. While Amazon Lending is not a direct lender, the partners it works with offer resources and features specific to Amazon storefronts with the goal of supporting small businesses utilizing Amazon.
Yes. Loans for Amazon sellers can be obtained through one of Amazon Lending’s partners or through other lending institutions. You can get a business loan depending on the qualifications of the lender and the loan terms required to meet your business financing needs.
Qualification requirements will vary by lender; however, factors such as credit score, time in business, and annual revenue will be taken into account when issuing a lending decision. The stronger your qualifications, the better your odds of approval.
Bottom Line
There are a variety of financing loans for Amazon sellers, whether it be through Amazon Lending’s recommended third-party lenders or other institutions that offer similar loan products applicable to merchants. Depending on your business needs as an Amazon seller, you can find the best Amazon business financing options by considering factors such as loan type, funding speed, customer service, and qualification requirements.
