Amazon sellers can get funding without a personal credit check from providers that underwrite on store sales rather than credit history. Onramp Funds is one: it connects to your Amazon account and requires a legal US business entity, at least $10,000 in average monthly sales, and at least six months of selling history, with no personal credit check to see an offer. Amazon's own program, Amazon Lending, works by invitation in Seller Central.
Why sales-based underwriting helps Amazon sellers
Personal credit rarely reflects how an Amazon business performs. Inventory cycles, FBA fees and payout timing drive cash needs, and a bank process built around credit scores and years of statements is slow for a seller who has to place a purchase order this month. Sales-based providers read your Amazon history directly and size an offer from it.
Onramp Funds
- Eligibility: a legal US business entity, at least $10,000 in average monthly sales, and at least six months of selling history, with no personal credit check to see an offer.
- Platforms: Amazon, Shopify, Walmart, TikTok Shop, BigCommerce, WooCommerce, Squarespace, Shopline and Stripe, underwritten on combined sales.
- Cost: The fee is flat, disclosed upfront, and non-compounding, as low as 9% of the funded amount ($4,500 on $50,000). Subject to credit eligibility; rates and terms may vary. Longer terms cost more, and your offer states the exact fee.
- Repayment: a share of daily sales, a fixed schedule over one to twelve months, or a rolling cash line.
- Speed: funds typically arrive in one to two business days.
No personal credit check does not mean no review. The offer depends on your sales data, and a store below the published thresholds will not qualify.
Amazon Lending
Amazon no longer presents Amazon Lending as a program you apply to. According to Amazon, eligible sellers automatically receive an invitation in Seller Central from the program's third-party financing providers, and the application continues with that provider. Options such as term loans, merchant cash advances and lines of credit may be available, and requirements are dynamic and vary by offer.
- Access: invitation only, inside Seller Central.
- Who lends: third-party providers, not Amazon.
- Terms: set by the provider and shown in the invitation. Review the total repayable, not just the amount.
Merchant cash advances and payout advances
Merchant cash advances provide a lump sum repaid from future sales. They often use factor rates that make cost comparisons harder. Payout advance providers move money you have already earned forward instead of waiting for Amazon's schedule. That fixes timing, not a shortfall of capital.
How to compare offers
- Total repayable: put every offer on the same amount and period. The MCA vs Revenue-Based Financing Cost Calculator does this side by side.
- Repayment shape: a share of sales flexes with a slow week. A fixed payment does not.
- Speed against your deadline: work back from your supplier date, not from the day you apply.
- Access: an invitation you do not have is not an option. An open application is.
Funding peak season inventory
Holiday stock has to be ordered and paid for weeks before it sells, and marketplace payouts add more delay. Before you accept any offer:
- Set your order date. The Safety Stock and Reorder Point Calculator gives your latest safe Q4 order date and units to order.
- Check the margin. The Amazon FBA Profit Calculator shows what you keep per unit after referral and FBA fees, and when Amazon pays you.
- Size the capital. The eCommerce Funding Calculator shows how much the plan needs and your cash with and without an advance.
- Plan for January. Repayment continues after the peak, when sales usually drop.
Frequently asked questions
Can I get an Amazon seller loan with bad credit?
Often, yes. Onramp Funds does not run a personal credit check to show you an offer. It decides on your sales data.
How do I get Amazon Lending?
You cannot apply directly. If you are eligible, an invitation from a third-party provider appears in Seller Central.
How much do I need to sell to qualify with Onramp Funds?
At least $10,000 in average monthly sales, with six months of selling history and a legal US business entity.
Onramp Funds
Funding built around your sales
Connect your store and see what you qualify for. Repay as a percentage of sales, with no personal credit check.
Funding in as little as 24 hours.
