Amazon sellers have more funding options than most eCommerce businesses, and the reason is the payout data. Your marketplace disbursement history is clean, verifiable and easy to underwrite against, which is why several providers exist purely to lend against it.
That also produces a specific risk: several of these products repay themselves out of your Amazon payouts, so stacking two of them puts two claims on the same money. Everything below was read from each provider's own website on 6 August 2026.
| Option | How you get it | How it is repaid |
|---|---|---|
| Amazon Lending | Offered in Seller Central, arranged via third-party providers | Set by the provider making the offer |
| Payability | Qualify on marketplace sales history and performance | Daily fees against advanced sales |
| Payoneer | Route marketplace payouts through Payoneer first | A fixed percentage of incoming payments |
| SellersFi | Apply directly | Not published |
| 8fig | Apply directly | Against the funded supply chain plan |
| Onramp Funds | Apply directly, connect the store | Share of sales, fixed schedule, or a rolling line |
Amazon Lending is not an Amazon loan
This is the most common misunderstanding about Amazon seller finance. Amazon Lending arranges financing through third-party providers for eligible US small and medium-sized businesses. Amazon is the distribution channel, not the lender, so the rate, the term and the eligibility come from whoever makes the offer.
Two things Amazon does publish are genuinely useful. Applying does not impact your personal credit. And most decisions are made within one business day on average, with approved funds typically disbursed within two business days.
What it does not publish is any pricing, term or threshold, because those are not Amazon's to publish. Read the specific offer rather than the programme page. A previous version of this page described these as Amazon's own loans sized on sales volume and account health, which is not what the programme is.
The payout accelerators
Payability advances marketplace earnings for Amazon and Walmart sellers, paid out daily. It qualifies sellers on marketplace sales history and performance, runs no credit checks but does perform a standard background check of public records, and states it has made over $6 billion in daily payments to more than 10,000 Amazon sellers since 2015.
The cost is easy to miss: the daily payout program carries daily fees for advancing sales. You are paying to receive your own money sooner, so the honest comparison is the annualised cost of moving it forward by a couple of weeks.
Payoneer sizes marketplace offers from the earnings history of your Amazon, Walmart or other marketplace store, up to 140% of average monthly payout capped at 750,000 USD, and collects a fixed percentage of incoming payments until settlement completes, over up to 6 months for marketplace sellers. The dependency is that your payouts have to route through Payoneer in the first place.
The ones you approach directly
SellersFi serves Amazon and direct-to-consumer sellers, approving and disbursing in as fast as 48 hours. It publishes no pricing, revenue minimum or repayment terms, so those are questions rather than facts.
8fig requires 6+ months in business, $12K+ average monthly revenue over the last 3 months, $100K+ annual revenue, and a business based in the U.S. or Canada, and funds against supply chain steps rather than as a lump sum.
Onramp Funds requires a legal US business entity, at least $10,000 in monthly sales and at least 6 months of selling history, with no personal credit check. It supports Amazon alongside eight other platforms: Shopify, TikTok Shop, WooCommerce, BigCommerce, Squarespace, Walmart, Shopline and Stripe, which matters if Amazon is not your only channel. The variable option repays as a share of sales that moves with revenue, the fixed option repays weekly or every two weeks over one to twelve months, and the rolling cash line is a revolving capacity that grows with sales. There is one transparent fee with no hidden costs and no equity is taken.
One option that is not available to you
Shopify Capital comes up constantly in Amazon seller discussions. It is limited to select merchants in the United States, Canada, the United Kingdom and Australia, and requires at least 90 days selling on Shopify. It underwrites Shopify revenue. Running a Shopify storefront alongside Amazon does not make your Amazon revenue fundable through it, which a previous version of this page implied.
The stacking problem, specific to Amazon
- Count the claims on your payout. Payability takes daily fees against advanced sales. Payoneer collects a fixed percentage of incoming payments. Two of those at once means two deductions from the same disbursement before you see anything.
- Separate acceleration from capital. Payability moves money you have already earned. The others give you money you have not. Only one of those increases the total capital available to you.
- Check the channel coverage. If half your revenue is off Amazon, a provider that only sees Amazon will size your offer on half your business.
- Ask what the third party is. On an Amazon Lending offer, the counterparty is not Amazon, and the terms are theirs.
Frequently asked questions
Does Amazon lend to sellers directly?
No. Amazon Lending arranges financing through third-party providers for eligible US small and medium-sized businesses. Amazon publishes decision and disbursement times but no rate, term or eligibility threshold, because those belong to the provider making the offer.
What is the fastest option for an Amazon seller?
On published figures, Amazon Lending states most decisions within one business day on average and funds typically within two business days, and SellersFi states approval and disbursement in as fast as 48 hours. Payability pays out daily once you are set up. Onramp Funds publishes no speed figure.
Can I get funding without a credit check?
Payability runs no credit checks but does perform a standard background check of public records. Onramp Funds runs no personal credit check. Amazon states applying does not impact your personal credit. Confirm the current position before applying.
Is Payability cheaper than a funding advance?
Not necessarily. The daily payout program carries daily fees for advancing sales, and you would have received that money anyway. Work out the annualised cost of pulling a payout forward by two weeks before comparing it to a funding fee.
Can Amazon sellers use Shopify Capital?
Only for Shopify revenue, and only with at least 90 days selling on Shopify in one of four countries. It does not underwrite your Amazon sales.
See the funding structures or read how underwriting works.
Details were read from each provider's own website on 6 August 2026. Terms change without notice, so confirm before applying.
