The specs
CrediblyAmazon Lending
Product typeMulti-productMulti-product
Amount range$5K – $600K$1K – $750K (typical; varies by seller account performance)
Cost (factor / APR)Factor 1.11+ (MCA); APR varies (term)APR 6 – 22% (term loan); single-fee MCA structures also offered
Speed to fundAs fast as 4 hoursFunds land in seller account in 5 business days or less after acceptance
Min time in business6 months12 months
Min monthly revenue$15,000Amazon FBA / Pro Seller sales required; no public floor (algorithmic invitation)
Min credit score550+No FICO pull — underwrites against Amazon seller account history
Products
- MCA
- Working capital LOC
- Short-term term loan
- Term loan (Amazon Lending)
- Embedded merchant cash advance via Marcus / Lendistry partners
- Line of credit (limited availability)
Verdicts by use case
- Cheapest cost of capital if you qualify — Winner: Amazon Lending. Amazon Lending term loan APR (6 – 22%) is single-digit to low-teens. Credibly's MCA at 1.20+ factor is 40 – 100% APR-equivalent on a 12-month hold. Not close on cost when Amazon offers a term.
- Can actually apply (vs invitation-only) — Winner: Credibly. Credibly accepts applications from any qualifying merchant. Amazon Lending is invitation-only — you can't apply, Amazon picks who gets offers based on FBA + Pro Seller performance. Most Amazon sellers never see an offer.
- Multi-channel sellers (Amazon + Shopify + retail) — Winner: Credibly. Credibly underwrites against total business revenue across all channels. Amazon Lending caps based on Amazon GMV alone — sellers with strong Shopify or wholesale revenue see undersized Amazon offers relative to total business size.
- Speed to fund — Winner: Credibly. Credibly funds in as fast as 4 hours after approval. Amazon Lending takes up to 5 business days to land in seller account after acceptance. Credibly wins on emergency speed.
- Capital not tied to Amazon account status — Winner: Credibly. Amazon account suspension or move to a competing marketplace triggers immediate payoff on Amazon Lending. Credibly funds against business bank account; processor-independent.
The honest takeaway
Credibly and Amazon Lending solve overlapping but distinct problems. The right choice depends on three things you already know about your business: how fast you need the money, how long you've been operating, and whether the capital need is one-time or recurring.
Frequently asked questions
- I got an Amazon Lending offer for $40K at 11% APR — should I take it over Credibly?
- Almost always yes if you can deploy the capital inside Amazon. The cost gap (11% APR vs 1.25+ factor on Credibly = ~50%+ APR) saves thousands per year on $40K. The catch: don't take the Amazon loan if you're thinking about leaving Amazon — account suspension or processor change triggers immediate payoff and most sellers can't cash-call $40K.
- Can I get a Credibly MCA after taking Amazon Lending?
- Yes, but disclose the Amazon Lending debt during Credibly underwriting. Undisclosed debt is the fastest way to get a Credibly deal clawed back post-funding. Carrying both means daily ACH to Credibly plus Amazon disbursement % to Amazon Lending — tight cash management.
- Why doesn't Amazon offer me a loan even though I do $200K/mo on Amazon?
- Amazon's algorithm weighs account health, return rate, inventory turnover, customer review trend, and account tenure — not just GMV. High-revenue sellers with elevated A-to-Z claims or recent suspension history routinely get skipped. Credibly is the workaround: they underwrite against business revenue, not Amazon's seller scorecard.