Quick answer
Amazon Lending is invite-only — there is no application. Amazon's algorithm offers loans to sellers who have typically been active 12+ months, generate $10,000+ in monthly Amazon sales, maintain account health rated 'Good' or better, have low order-defect and late-shipment rates, and ship FBA volume at scale. Offers appear in Seller Central; if you don't see one, you don't qualify yet.
Full answer
Amazon Lending does not accept applications. Eligibility is determined entirely by Amazon's internal scoring of your seller account. If a loan offer is available, it appears as a banner in Seller Central under Reports > Payments > Loans. If no banner appears, no application option exists — you simply do not qualify today.
Tenure: in practice, the vast majority of offers go to sellers who have been active on Amazon for at least 12 months, and many offers require 24+ months of history. New sellers (under 6 months) effectively never see offers regardless of velocity.
Sales velocity: typical eligibility starts around $10,000 per month in Amazon sales for the smallest offers, and scales up — sellers doing $1M+/month often receive offers in the $500K-$2M range. Amazon weights the consistency and trend of sales, not just the absolute number; flat-to-growing accounts are preferred over declining ones.
Account health: Amazon's algorithm heavily weights account-health metrics. Order Defect Rate (ODR) below 1%, Late Shipment Rate below 4%, Pre-fulfillment Cancel Rate below 2.5%, and Valid Tracking Rate above 95% are baseline expectations. A 'Good' or 'Excellent' Account Health Rating is effectively required.
FBA participation: many Amazon Lending offers favor sellers who fulfill via FBA (Fulfillment by Amazon) over Merchant Fulfilled accounts. FBA inventory provides Amazon with collateral visibility — they can see what you own and where it is, which de-risks lending. Merchant Fulfilled sellers may still get offers but generally at smaller sizes.
Category and policy compliance: zero active intellectual property complaints, no recent suspensions, no warning notices for inauthentic items or restricted-product violations. Sellers in higher-risk categories (supplements, electronics, kids' products) face stricter health requirements before offers appear.
What to do if no offer appears: improve account-health metrics, increase FBA inventory turnover, hit 12+ months of consistent sales, and resolve any open performance notifications. Offers tend to appear within 30-90 days of metrics moving into the eligible range. There is no formal appeal — the algorithm runs continuously and re-evaluates.
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Methodology. Fundnode is an independent funding-platform that scores merchants against our 100-funder database. We earn referral fees from funders when merchants apply via Fundnode. Editorial rankings and answers are independent of fee structure. Updated 2026-06-25.