Amazon Seller Financing in 2025: Amazon Lending vs. 8 Top Alternatives (Real-World Cost Math Inside)

Compare Amazon Lending with 8 top 2025 financing options. See real cost math, payout speed, and funding fits to close your Amazon cash-flow gap.

Amazon seller financing matters more than ever in 2025. Most sellers still wait two weeks for payouts even as inventory turns faster every quarter—a cash-flow gap that starves ad campaigns and reorders.

Beyond Amazon’s invite-only Lending offers (term loans of roughly $100,000–$3 million), eight other funding routes compete for your working capital.

This guide stress-tests all nine options side by side so you can choose the model that matches your sales cadence before you commit.

How we ranked every funding option

We scored every lender on the same eight criteria and weighted the results toward speed and true cost because sellers say those two factors matter most. You can estimate those costs yourself in seconds with Lendio’s business calculators, which convert rates, terms and fees into a clear monthly payment and total payback.

Cost of capital (30 percent): effective APR or fixed fee in dollars
Funding speed (15 percent): hours versus days
Maximum amount (10 percent): for example, $20,000 starter offers up to £5 million in the UK
Repayment model (10 percent): fixed calendar or percentage of daily sales
Eligibility and access (10 percent): invite-only tiles versus open applications
Operational fit (10 percent): Seller Central sync, multi-currency support, dashboard quality
Risk factors (10 percent): personal guarantees, account holds, payout timing
Support tools (5 percent): reporting, cash-flow planners, live human support

Funding types you’ll see

Not every offer inside Seller Central works like a traditional loan, so here’s a quick primer before we compare providers.

Term loans. You receive a lump sum and repay it in equal weekly or monthly installments over 6–24 months, exactly how Amazon Lending structures its core program (sell.amazon.com). Rates arrive as an APR, making it easy to compare with a credit-card rate. A fixed calendar helps when sales dip because the cash-out still arrives on schedule.

Merchant cash advances (MCAs) and revenue-based financing. You still get a lump sum, but repayment is a fixed share of future Amazon sales. According to American Banker, Amazon’s Parafin partnership applies a factor rate of 1.05–1.13 (a 5 percent to 13 percent fixed capital fee) with payment rates between 1 percent and 15 percent of gross merchandise sales. Strong weeks clear the balance quickly; slow weeks extend the schedule and raise the effective APR.

Daily-payout accelerators. Services such as Payability advance about 80 percent of yesterday’s cleared sales and charge a fee that usually lands around 1 percent to 2 percent of gross revenue. That speed removes Amazon’s two-week payout lag, useful for topping up ads or re-ordering stock without new long-term debt.

Keep these three repayment rhythms in mind as we move into the side-by-side comparisons; the right match for your sales cadence often matters more than the headline rate.

At-a-glance comparison

Below is a quick reference table. The first three columns highlight speed and cost, often deal breakers for sellers, while the last four flag eligibility and risk.

Option	Product type	Cost model
Typical speed	Max amount	Repayment style
—	—	—
—	—	—
Amazon Lending (US)	Term loan	APR (undisclosed)
1–2 business days	Up to $5 million	Fixed monthly
Amazon MCA (Parafin)	Sales-based advance	Fixed capital fee plus percent of sales
Same day once approved	$500,000–$10 million	Percent of sales
Amazon UK × TradeBridge	Term financing	APR (lender-set)
About 24 hours	Up to £5 million	Fixed monthly
SellersFi	Term loan or line	APR range
Under 48 hours after approval	Varies	Bi-weekly or monthly
Uncapped	RBF or term loan	Fixed fee or APR
24–48 hours	Up to $5 million	Percent of sales or fixed
Wayflyer	RBF or term loan	Fixed fee
Hours to 1 day	$20,000–$20 million	Daily or weekly percent of sales
Payoneer Capital Advance	Payout advance	Fixed fee
Same day	Up to $750,000	From future payouts
Payability	Daily payout and advance	Access fee
Next-day payouts	Tied to sales	Daily release
Clearco	Cash or invoice advance	Fixed fee
About 24 hours	Case by case	Percent of revenue or invoice date

Keep this sheet handy as you read the deeper dives; matching a provider’s speed, limit, and repayment rhythm to your own cash-flow pattern is half the decision.

Option 1: Amazon Lending (US) term loan

Amazon still surfaces term-loan offers inside Seller Central, but since late 2024 the underwriting and funds come from partner banks, not Amazon itself. You’ll see an invite-only tile under Growth → Lending; there is no public application.

Speed and structure. Once you click “Accept,” partner lenders usually wire funds within one to two business days, and repayments are pulled as equal monthly debits from future disbursements, according to NerdWallet.

Cost and limits. Recent offers show 8–12 percent APR on six- to 12-month schedules, with caps near $5 million for high-volume, low-risk accounts, according to United Capital Source.

Best for. Brands with clean account metrics that want predictable, calendar-based payments for large inventory buys or product launches.

Watch-outs. You cannot negotiate terms and must wait for an invitation; if Amazon increases reserve holds, the platform may shrink your payout while the fixed debit stays the same.

Option 2: Amazon merchant cash advance (Parafin)

Amazon’s embedded MCA, powered by Parafin, provides fast funding with flexible repayment. Eligible sellers can accept an on-screen offer in minutes and receive funds the same day.

How it works. Parafin advances between $500,000 and $10 million, then adds a fixed capital fee based on a factor rate of 1.05 to 1.13 (a five- to thirteen-percent fee) with payment rates between one percent and fifteen percent of gross merchandise sales, according to American Banker. Repayments come out automatically at the chosen rate on a biweekly cadence until the balance is cleared.

Why sellers use it. No personal guarantee or late-payment risk exists because Parafin deducts its share before Amazon releases your payout. The product suits seasonal inventory buys and high-volume ad pushes.

Watch-outs. The holdback percentage is fixed at acceptance; if sales slow, the payoff stretches and the effective APR rises. Run a conservative forecast before clicking “Accept.”

Option 3: Amazon UK term financing (TradeBridge)

Amazon’s partnership with TradeBridge lets eligible UK sellers borrow up to £5 million based on marketplace and multichannel revenue. The invite-only offer appears in Seller Central, and most applicants receive a decision within two hours, with funds landing in sterling the next business day.

Key terms. TradeBridge offers lump-sum term financing or a revolving line. Term loans run 3–18 months, and repayments follow a fixed monthly schedule you choose at signing. Because the facility underwrites all of your ecommerce revenue across Shopify, eBay, and wholesale channels, it can approve larger limits than Amazon-only programs.

Ideal use cases. Warehouse builds, pan-EU expansion, or bulk inventory orders where a predictable monthly payment beats a variable revenue share.

Watch-outs. Missed installments hit your credit profile harder than an MCA because the payment amount is fixed. Model a conservative sales scenario before committing to the calendar.

Option 4: SellersFi

SellersFi pulls data from Seller Central, Shopify, Walmart, and other channels to quote funding in as little as one to three business days.

Products and limits

• Line of credit: $25,000 to $10 million, renewable, with APRs from 9.99 percent to 24.99 percent.
• Capital (term) loan: $5,000 to $2.5 million, terms 3–24 months, biweekly or monthly debits tied to Amazon disbursements.
• Daily payout: up to 90 percent of yesterday’s Amazon sales delivered the next morning; fees start at 1 percent of gross revenue.

Why sellers pick it. You can borrow against total ecommerce turnover, not just Amazon, so inventory-limit changes or a TikTok surge will not strand you.

Watch-outs. Rates sit above prime bank lines; plan for 10–25 percent APR. Top-ups arrive quickly, but every refinance resets the term, so track your blended cost before rolling forward.

Option 5: Uncapped

Uncapped lets you choose between a fixed-fee term loan and a revolving line of credit, with no personal guarantee, equity, or warrants required.

Products and limits. Funding ranges from $10,000 to $10 million for Amazon sellers, with offers delivered in as little as 24 hours once you connect Seller Central, Shopify, or Stripe data.

• Term loan: flat fee from 0.7 percent to 1.5 percent per month; repayments can be daily, weekly, or biweekly to match marketplace payouts.
• Line of credit: APR starts at 10.99 percent; draw only what you need and pay interest on the outstanding balance.

Rolling access. After you repay roughly 50 percent of the balance, the portal invites you to top up without another underwrite, creating a near real-time revolving facility.

Best for. Multichannel brands that want speed today and larger tranches tomorrow without signing a personal guarantee.

Watch-outs. The monthly fee can turn into a double-digit effective APR if sales slow, and each top-up resets the repayment clock. Track your blended cost before borrowing again.

Option 6: Wayflyer

Wayflyer specializes in fast revenue-based financing for ecommerce brands. Connect your Amazon account, ad platforms, or payment gateway and receive an offer the same day.

Limits and fees. Funding ranges from $20,000 to $20 million. Each advance carries a single fixed fee of five percent to ten percent of the advance amount. You can choose to remit either a fixed daily amount or a share of sales, aligned to your cash-flow rhythm.

Flex and refinance. If sales rise or rates improve, you can refinance mid term, rolling the balance into a new contract without downtime.

Where it fits. Short-run inventory buys, ad bursts, or bridging the 60-day freight-to-FBA gap. Model a slow sales scenario first; a longer payoff stretches the fixed fee into a double-digit APR.

Watch-outs. Multiple re-ups can hide your blended cost. Track cumulative fees and set a calendar reminder to reassess each quarter.

Option 7: Payoneer Capital Advance

Payoneer already routes millions of Amazon payouts, so advancing part of tomorrow’s disbursement is a natural add-on.

How it works. Payoneer analyzes your last three months of marketplace sales and can advance up to 140 percent of your average monthly payout, capped at $750,000. Funds land in your Payoneer wallet within an hour of acceptance.

Cost and tenor. Each offer carries a fixed fee, typically two to five percent of the advance amount, settled automatically from future disbursements over one, three, or six months. There is no interest and no credit check.

Cycle and reuse. After you repay about 60 percent of the balance, a new offer appears, making Capital Advance a rolling source of short-term working capital.

Best for. Cross-border sellers who already pay suppliers through Payoneer and need a quick, currency-matched bridge for inventory turns or ad spikes.

Watch-outs. Short tenors raise the effective APR if sales dip; model a slow-month scenario before accepting multiple back-to-back advances.

Option 8: Payability

Payability’s Instant Access replaces Amazon’s two-week payout cycle with next-day cash. After you connect Seller Central, the platform releases up to 80 percent of the prior day’s shipped sales each morning and holds the remaining 20 percent in reserve for returns. Fees start at two percent of gross sales and there is no credit check.

Need more? Instant Advance provides a lump sum of $1,000 to $250,000—about 75 percent to 150 percent of your monthly marketplace sales—and charges a one-time factor fee between 0.50 and 0.90. Repayment comes automatically from daily payouts, so you never schedule a wire.

Because the product is an accelerated payout, not a loan, you avoid interest charges and personal guarantees. It suits fast-turn, low-margin sellers who depend on constant ad spend and rapid reorders.

Watch-outs. Staying on Instant Access indefinitely can cost more than a short-term loan. Treat it as high-octane fuel for moments when every advertising dollar needs to recycle tomorrow.

Option 9: Clearco

Clearco offers two non-dilutive products you can toggle between in the same dashboard:

• Growth advance. Receive funds in 24 to 48 hours and repay from a fixed weekly share of sales until a one-time fee, typically six percent to twelve percent, is cleared.
• Invoice funding. Upload a supplier invoice and Clearco wires up to 80 percent of the amount directly to the factory; you settle the balance when inventory lands or Amazon pays out, whichever comes first.

Neither product requires equity, collateral, or a personal guarantee, and both integrate across Amazon, Shopify, Walmart, and TikTok.

When to use it. Clearco helps when speed to market outweighs price—think volume discounts on large production runs or capturing a viral SKU spike.

Watch-outs. Flat fees sit at the higher end of the revenue-based market, and weekly caps top out at 30 percent of sales. Run a slow-sales scenario to confirm the effective APR still makes sense.

Decision guide: match funding to your situation

Nine options can feel overwhelming, so let’s anchor them to three real-world seller profiles. Scan the description that matches your monthly revenue and margin structure, then jump to the recommended funding mix.

Scenario 1: the $50,000-a-month reseller

Your margin depends on next-day ad spend and 30- to 40-day inventory turns. A two-week Amazon payout lag drains working capital.

Best fit.
Instant Access (Payability): releases up to 80 percent of yesterday’s sales each morning for a two-percent access fee.
Capital Advance (Payoneer): add a lump-sum advance worth up to 140 percent of average monthly payouts, fixed fee two to five percent, tenor one to three months.

Avoid for now.
Fixed-calendar term loans; one slow returns week could leave you short. Revenue-share advances with 15 percent holdbacks (for example, Wayflyer) cut too deeply into the daily ad budget.

Bottom line: accelerate payouts first. Move to larger facilities only after your average cash balance stays above six figures.

Scenario 2: the $200,000-a-month private-label brand

Your launch cycle ties up cash for 60–90 days: supplier deposit, factory production, ocean freight, FBA check-in, then revenue.

Core facility.
Term loan (Amazon Lending or SellersFi): six- to twelve-month terms, eight to twelve percent APR, funds in one to two business days. A fixed calendar lets you map repayments to forecasted sell-through.

Elastic layer.
Revenue-based advance (Wayflyer or Uncapped): flat fee five percent to ten percent; top-ups appear once you repay 50 percent of the balance, often within 24 hours.

Skip daily-payout accelerators during a launch—paying two percent of gross sales when revenue spikes can cost more than the term-loan interest you already budgeted.

Takeaway: secure one predictable term loan for production, then add a revenue-share advance only if the launch outperforms plan.

Scenario 3: the UK brand expanding into the EU

Brexit paperwork, new VAT rules, and two currencies can stall cash for weeks. You need pounds for UK inventory today and euros for EU ads tomorrow.

Foundation.
TradeBridge term loan: up to £5 million, decisions in hours, three- to eighteen-month terms with fixed monthly repayments.

Working capital.
Payoneer Capital Advance: advance up to 140 percent of projected euro payouts (cap $750,000) with a two- to five-percent fixed fee; tenors one to six months. Funds land in your multi-currency wallet, so you can pay euro suppliers without FX spread.

Spike insurance.
Daily-payout tool (Payability): release 80 percent of the prior day’s EU sales next morning for a two-percent access fee. Use only during launch month, then turn it off to avoid ongoing cost.

Formula: large sterling loan for inventory and compliance, short-tenor euro advances for working capital, and a temporary daily-payout accelerator if early demand outpaces forecasts.

Risks and 2025 fine print

Financing is never free. Model these five risk zones before you sign:

1. Invite-only opacity. Amazon Lending shows rate and tenor only after you open the on-screen offer, so you cannot compare quotes in advance. A business-loan marketplace like Lendio, which aggregates term-loan offers from more than 75 vetted lenders in one dashboard, gives you an instant reference point before you commit lendio.com+1.
2. Effective-APR creep. A fixed six-percent fee on a merchant cash advance equals about 15 percent APR if the payoff stretches from four to ten months. That jump is common after a soft first quarter.
3. Payout-cadence mismatch. Term-loan debits hit on a calendar schedule even when Amazon withholds extra reserves for returns. Always test the payment against your worst fortnight of net disbursements.
4. Jurisdiction gaps. TradeBridge’s £5 million ceiling applies only to UK entities; U.S. sellers need a British subsidiary or must look elsewhere.
5. Rising 2025 costs. U.S. referral fees stayed flat, but storage and disposal fees rose 15 percent to 20 percent for slow-moving ASINs, shrinking the margin available for loan service.

Takeaway: pull last-twelve-month sales, model worst-case weeks, layer new FBA fees, and add a cash buffer. Even low-cost capital hurts when revenue lags.

Conclusion: Sanity-check your true cost before you sign

Numbers on a lender’s page often miss key variables. Run these three quick tests before you click “Accept.”

1. Map seasonality. Export the past 12 months of Amazon sales and mark the lowest fortnight. Revenue-share advances lengthen when sales dip, so use the trough to gauge worst-case payoff speed.
2. Model the offer. Plug the advance amount, flat fee or APR, and a conservative sales forecast into Lendio’s business calculators. The tool returns total cost plus daily or monthly payments in plain dollars.
3. Stress-test cash flow. Subtract the modeled payment from that lowest fortnight of revenue. If the result is negative, renegotiate the holdback or extend the term before you sign.

Spend thirty minutes on this exercise today to avoid months of cash-flow pain later.

Quick-Hit FAQ

1. Is Amazon Lending really invite-only?
   Yes. Amazon’s algorithm assesses your account health and sales history, then rolls out an offer inside Seller Central when you hit its internal benchmarks. There is no public application link, so patience and clean metrics are your only leverage.
2. Do any of these loans require a personal guarantee?
   Most term loans—including Amazon Lending, TradeBridge, and some SellersFi products—ask for a PG. Sales-based advances (Parafin, Wayflyer, Uncapped) and payout accelerators (Payability, Payoneer) generally skip it because repayments pull straight from your revenue stream.
3. How fast can I get cash in the bank?
   Connect your data today, and a Wayflyer or Payoneer offer can fund within hours. Amazon Lending and TradeBridge take one to two business days once you click “Accept.” Traditional banks by comparison? Weeks.
4. Will taking an advance hurt my Amazon account health?
   No. Amazon’s Terms of Service allow third-party financing. Just maintain healthy order defect and late-shipment rates so Amazon’s own reserve system doesn’t hold back payouts you counted on for repayment.
5. Can I stack multiple products at once?
   Absolutely—if the cash flow supports it. Many sellers pair a long-tenor term loan with a short-term advance for launches. Just model worst-case sales so you never overcommit. Two manageable payments beat one oversized one every day of the week.