TL;DR
Amazon Lending ranks #43 in our 2026 funder ranking. Best for established amazon fba sellers (12+ months, consistent sales) invited by amazon to participate in the lending program. The strength: Invitation-only product for Amazon FBA sellers with strong sales history. The watch-out: Invitation-only — Amazon picks who gets offers.
Amazon Lending rate card 2026
| Category | Processor financing |
| Best for | Amazon FBA sellers — invitation-only embedded financing |
| Amount range | $1,000 – $750,000 |
| Cost (factor / APR) | APR varies (typical 6 – 16% APR for term loans) |
| Speed to fund | Funds in 5 business days once accepted |
| Min time in business | 12 months |
| Min monthly revenue | Amazon sales volume drives offers |
| Min credit score | No FICO check — uses Amazon seller history |
The strength — what Amazon Lending does better than anyone
Invitation-only product for Amazon FBA sellers with strong sales history. Repayment via Amazon settlements (auto-deducted). Lower cost than most MCA alternatives. No personal guarantee on standard offers.
The watch-out — what Amazon Lending doesn't put in marketing
Invitation-only — Amazon picks who gets offers. Cannot apply. Funds must be used for Amazon-related business expenses per terms. If Amazon account is suspended, loan terms can accelerate.
Who Amazon Lending is best for
Established Amazon FBA sellers (12+ months, consistent sales) invited by Amazon to participate in the lending program.
Who shouldn't apply
Merchants with less than 12 months in business will get an automatic decline — try Accord (3 months) or Greenbox (6 months) instead. Established multi-location operators may get better terms at OnDeck or NewCo Capital Group. As with any MCA decision, the cheapest money is the money you don't borrow — start with the calculator at /calculator to see if the deal you'd take from Amazon Lending actually makes sense.
How Amazon Lending compares to the rest of the top 10
| Funder | Category | Cost | Speed |
|---|---|---|---|
| Amazon Lending (this funder) | Processor financing | APR varies (typical 6 – 16% APR for term loans) | Funds in 5 business days once accepted |
| Credibly | MCA + multi-product | Factor 1.11+ (MCA); APR varies for term + LOC | As fast as 4 hours |
| Greenbox Capital | Multi-product | Factor varies; published up to 19% ISO commission | 24 – 48 hours |
| Accord Business Funding | MCA specialty | Factor varies by paper grade (often 1.40+) | Next-day for approved files |
| Bluevine | LOC | APR 6.2% – 27% | 1 – 3 business days |
| OnDeck | Term + LOC | Term APR 27%+; LOC APR 30%+ | Same-day for approved files |
What to ask Amazon Lending before signing
- "What's the APR-equivalent on this deal?" A funder who can't or won't quote it has something to hide. Required disclosure in five states as of 2026.
- "Is there a prepayment discount?" Some funders charge the full factor regardless of payoff speed. Get the discount in writing before you sign.
- "What's the reconciliation policy if my revenue drops?" The best funders adjust the daily ACH downward when deposits drop. Many won't. Ask in writing.
- "Will you stack on top of an existing position?" Stacking is one of the top reasons MCA merchants default. If a funder accepts second/third position freely, that's a yellow flag for the merchant.
Frequently asked questions
- Is Amazon Lending a direct funder or a broker?
- Amazon Lending is a direct funder — they underwrite and deploy capital from their own balance sheet (or institutional credit facility), not by routing your file to other lenders. This matters because direct funders are accountable for the terms they quote.
- What's the minimum revenue Amazon Lending will fund?
- Amazon Lending's published floor is Amazon sales volume drives offers in average monthly revenue, with 12 months minimum time in business. Credit score floor is No FICO check — uses Amazon seller history. These are box minimums — actual approval requires bank statements showing consistent daily deposits and acceptable NSF history.
- How fast can Amazon Lending fund?
- Amazon Lending's public speed quote is Funds in 5 business days once accepted. In practice, clean files (consistent revenue, no NSFs, no second position) fund at the fast end of that range. Files needing additional documentation, second-position deals, or larger amounts ($250K+) take longer.
- Should I go directly to Amazon Lending or through a broker?
- Going direct gets you a single quote with no broker commission baked into the factor rate. Going through a broker (like Fundnode) gets you scored against multiple funders, including Amazon Lending, with full disclosure of how we earn. There's no universal right answer — but if you only want one quote, going direct saves the broker's cut.
- What's Amazon Lending's biggest weakness vs alternatives?
- Invitation-only — Amazon picks who gets offers. Cannot apply. Funds must be used for Amazon-related business expenses per terms. If Amazon account is suspended, loan terms can accelerate.
Related reading
- The full 2026 ranking of 10 MCA funders — where Amazon Lending sits and why.
- How factor rates actually work — the math behind APR varies (typical 6 – 16% APR for term loans).
- How to qualify for an MCA in 2026 — the 7 things underwriters check.
- Take the fundability quiz — find your tier in 2 minutes.