Amazon Loans and Amazon Lending Guide: How It Works, Eligibility, and Review (2026)

Highlights

• At its peak, Amazon directly lent out roughly $1 billion a year to its sellers, while its direct lending program has since been discontinued; it has shifted onto a patchwork of third-party lenders with no single standard for eligibility or pricing
• Funding caps and eligibility bars vary enormously between providers. Some of the approved providers include Parafin, SellersFi, Wayflyer, and CrediLinq
• Parafin underwrites algorithmically with no published minimum, while SellersFi’s Amazon-specific Daily Payout product requires $250,000 in trailing annual sales and 12 months of history,  meaning the same seller can be instantly approved by one lender and ineligible for another
• Wayflyer’s flat 5-10% fee applies to the full funded amount regardless of how quickly you repay, and can cost more over a short draw than a percentage-based or interest-bearing structure would
• CrediLinq offers a flexible line of credit up to $2 million, underwritten directly off Amazon sales data, with funds approved in as little as 1 business day

Why This Matters to You

• You have been quoted different numbers by different Amazon financing providers and are not sure which ones are actually comparable to each other
• You want to know whether a flat fee, a factor rate, or a percentage-of-sales repayment will cost you more over the life of the draw, not just which one sounds cheapest upfront

Amazon Lending was once a go-to option for many sellers, offering quick, invite-only loans with minimal hassle. However, as of March 2024, Amazon officially stopped underwriting new loans. While existing loans are still being serviced, sellers can no longer rely on Amazon for direct funding.

But that does not mean financing options have dried up. In fact, several third-party providers offer Amazon-specific lending solutions. These options are designed to fit different business sizes, needs, and repayment capabilities, without trapping sellers in unfavorable terms or overwhelming debt.

In this blog post, we will compare the top Amazon lending alternatives available today. From quick approvals to flexible repayments, you will get a clear view of what each option offers — so you can find funding that works for your business.

6 Amazon Business Lending Platforms 

Here we have compared the top third-party Amazon lending options so you can quickly find the best fit for your needs.

Lender	Type of Funding	Eligibility	Repayment	Loan Limit	Approval Time	Fees
CrediLinq	Line of credit	$30,000+/month revenue (US, SG) or £1,000,000+/year (UK); 12+ months live on a supported platform	Biweekly; 3-6 month term, extendable to 12 months case-by-case	$25,000 – $250,000; up to $2M for qualified sellers	1 business day	Service fee starting at 1.5%/month, or a flat 18% APR
Parafin	Term loan (Term) / revenue-based financing (Flex)	Based on sales history and performance — no fixed minimum published	Term: fixed repayments; Flex: adjusts with daily sales	$500 – $1,000,000+	As little as 1 business day	Flat fee, no interest, exact rate not published; quote-based
SellersFi	Line of credit (Working Capital product)	6+ months sales history; $20,000+ net sales/month	ACH debit tied to marketplace payouts; 3-15 month terms	$5,000 – $2.5M	As little as 48 hours	Credit Limit draws: 14.99-24.99% APR; Revenue Advance: from 1%
Wayflyer	Merchant cash advance/term loan	6+ months in business; $10,000-$20,000+/month revenue depending on country; business must be incorporated in one of 11 listed countries	Daily Remittance Percentage or fixed amount; collected daily, weekly, biweekly, or monthly	Up to $20M	Within hours of approval	Flat fee; ~4.2%
OnRamp Funds	Cash advance (Variable, Fixed, or Rolling Cash Line)	6+ months selling history; $10,000+/month sales; US-registered business	Weekly or daily, synced to sales; 1-12 month terms	Up to $2M	Under 24 hours	Flat fee, not publicly published
Local banks	Term loans, business lines of credit	Strong credit history; detailed financial documentation	Fixed monthly installments	Varies; can be substantial for qualified borrowers	3 weeks to 2+ months	Interest plus origination, processing, and service charges

1. CrediLinq

CrediLinq offers a flexible credit line tailored for online businesses. Eligible sellers need at least 12 months live on a supported platform, along with $30,000 or more in monthly revenue for US and Singapore-based sellers, or £1,000,000 or more in annual revenue for UK-based sellers — qualifying, high-growth sellers can access up to $2M in funding.

Applications are processed as fast as 1 business day, and repayment happens bi-weekly over a 3-6 month term (extendable to 12 months case-by-case), with a transparent service fee structure. It provides quick access to working capital without traditional loan paperwork.

Suitability:

Ideal for high-growth eCommerce businesses making $1M+ in combined annual revenue seeking rapid funding for expansion with flexible repayment terms.

2. Parafin

Parafin offers merchant cash advances, term loans, and daily payouts to businesses with a proven sales history. 

Parafin determines financing eligibility and offer size algorithmically from a seller’s sales history on the connected platform (Amazon, DoorDash, Faire, and others), with no credit checks. Funds are available within 24 hours, with flat fees instead of interest.

Payments are collected daily or weekly, matched to the seller’s payout schedule, offering flexible repayment.

Suitability:

Best for businesses with steady daily sales looking for quick, short-term funding without interest complications.

3. SellersFi

SellersFi offers both capital loans and credit lines for eCommerce businesses. Its core Working Capital product funds up to $2.5M per seller, with eligibility generally requiring 6 months of sales history and $20,000 or more in monthly net sales. Approvals typically happen within 48 hours, with terms extending up to 15 months.

Suitability:

Suitable for medium to large eCommerce businesses seeking substantial funding with flexible terms and integrated services.​

4. Wayflyer

Wayflyer offers up to $20M in funding to online and offline businesses. Companies with $10K+ monthly sales and a 6-month history can apply. 

Funding is disbursed within 24 hours, and repayment is tied to either a fixed daily amount or a percentage of sales, helping businesses manage cash flow without the strict terms of traditional term loans.

 

Suitability:

Ideal for rapidly scaling eCommerce businesses needing significant capital.​

5. OnRamp

OnRamp offers cash advances to U.S.-registered businesses. Current eligibility requires $10,000 or more in average monthly sales and at least 6 months of selling history. Applications are simple, taking minutes to complete, and funding is released within 24 hours.

Fees are a flat, one-time charge, typically 2-8% of the funded amount, and repayment can follow a revenue-based, fixed, or revolving structure depending on the product, collected daily, weekly, or bi-weekly.

Suitability:

Best for small to medium eCommerce businesses seeking quick funding with repayments aligned to sales performance.​

6. Local Banks

Traditional banks offer term loans, lines of credit, and other financing options. While interest rates are lower than fintech lenders, approvals take weeks. SBA 7(a) loans alone average 21 days from approval to first disbursement, with the full application-to-funding timeline running considerably longer, and require strong financials and a solid credit history.

Suitability:

Suitable for established businesses with strong credit histories seeking traditional financing options.​

Your Funding, Your Terms — Funding Solution That Fits Your Business

Many Amazon sellers, when seeking third-party lending, find themselves stuck in frustrating cycles. With options that come with days or even weeks of waiting for approval, high interest rates that seem to grow overnight, or rigid repayment terms that do not align with unpredictable cash flow, getting funded can quickly feel like a daunting task. 

For example, Wayflyer offers quick access to up to $20M, but you face a 5-10% flat fee on the funded amount, which eats into your profits. On the other hand, local banks offer attractive rates but require long approval times—typically three weeks to two months or more —which does not work when you need immediate funding.

CrediLinq steps in to change that. Unlike other lenders, it offers a seamless experience with 1-business-day approval and flexible repayment terms (3-6 months) that fit your business’s cash flow. Qualifying sellers can access up to $ 2 million in working capital.

Simply connect your Amazon store, and based on your sales history, you gain access to funding.

As your business grows, your credit line increases without the need to reapply. Unlike traditional lenders, CrediLinq does not require equity dilution, so you retain full control of your business.

Whether you are a growing seller needing a quick boost or a mid-size business looking for manageable repayment plans, CrediLinq meets you where you are, with transparent fees and a smooth process.

Get Funded

Final Takeaways

• Before you apply anywhere, get your numbers in order: at least 6 months of clean sales history on your platform, and your monthly or annual revenue clearly above the lender’s bar. That alone decides which of these six you even qualify for.
• Match the funding type to how your cash actually moves. A one-time advance or term loan suits a single, predictable expense, but if your needs repeat and shift month to month, a fixed lump sum just locks you into the wrong size.
• A line of credit fits that repeating need best: you draw only when you need it, pay only on what you use, and it replenishes as you repay, instead of forcing you to reapply for every new expense.
• CrediLinq’s flexible line of credit works this way by design, underwritten off your actual Amazon sales rather than tax returns, with a fee you know upfront.

Frequently Asked Questions (FAQs)

1. Is Amazon Lending available to all sellers?

No, Amazon Lending was an invite-only program, available only to select sellers with strong sales history. However, as of March 2024, Amazon has stopped offering this lending service.

2. How do I know if I am eligible for Amazon Lending?

Eligibility was based on your sales history and account health, with Amazon sending invites to eligible sellers. However, as Amazon Lending is no longer available, this eligibility is no longer applicable.

3. Can I repay Amazon Lending early?

Yes, Amazon Lending allowed early repayment without penalties. However, since the service has been discontinued, this option is no longer available.

4. What is the average interest rate on Amazon Lending?

Interest rates on Amazon Lending typically ranged from 6% to 14%, depending on sales volume and loan terms. With the service discontinued, these rates are no longer applicable.

5. Are there better options if I sell on Amazon?

Yes, with Amazon Lending discontinued, third-party lenders like CrediLinq, Wayflyer, and Parafin offer flexible funding options for sellers on Amazon with faster approval and more tailored terms.