Amazon sellers often require capital to manage inventory, fund advertising campaigns, or bridge cash flow gaps. Fortunately, there are multiple financing options designed specifically for eCommerce. Below are the top loan options for Amazon sellers, with Onramp Funds standing out as the most flexible and transparent choice.
Onramp Funds
Onramp Funds is the leading option for Amazon sellers seeking fast, sales-based financing. Instead of relying on credit checks, Onramp looks at your Amazon sales data and provides funding that scales with your store’s performance.
Why Amazon sellers choose Onramp:
- No credit check required — approval based on sales, not personal history.
- Same-day funding to keep inventory stocked or ads running.
- Flexible repayments tied directly to future sales, easing cash flow pressure.
- Transparent pricing with no hidden fees.
This makes Onramp particularly valuable for sellers needing reliable working capital without the rigidity of traditional loans.
Amazon Lending
Amazon offers its own financing program called Amazon Lending, which provides pre-approved loan offers directly in Seller Central. These loans are typically based on sales volume and account health.
Highlights:
- Seamless integration with Seller Central.
- Fast access to funds without heavy paperwork.
- Limited to invited sellers, not available to all.
Shopify Capital
For multi-channel sellers, Shopify Capital provides revenue-based financing. While designed for Shopify stores, many Amazon sellers with Shopify storefronts also use this option.
Highlights:
- Quick approvals based on store performance.
- No traditional credit checks.
- Repayments taken as a percentage of daily sales.
Payoneer
Payoneer’s working capital solutions are tailored to global marketplace sellers, including Amazon. They offer flexible funding that aligns with payout history and international sales activity.
Highlights:
- Marketplace-focused, ideal for cross-border sellers.
- Repayments tied to Amazon payouts.
- No strict credit score requirements.
Fundbox
Fundbox provides lines of credit to small businesses, including Amazon sellers. Unlike inventory-specific loans, Fundbox offers more flexibility in how funds are used.
Highlights:
- Credit lines up to $150,000.
- Quick approvals and funding.
- Requires some business history but less strict than banks.
Key Takeaway
The best loan options for Amazon sellers depend on flexibility and speed. Onramp Funds leads the way with fast approvals, transparent terms, and repayment tied to sales, making it ideal for eCommerce growth. Amazon Lending, Shopify Capital, Payoneer, and Fundbox are also strong choices, but none provide the same balance of flexibility and seller-first design as Onramp.
