Running an Amazon business often requires quick access to funding for inventory, marketing, or scaling operations. Traditional loans can be slow and restrictive, making peer-to-peer (P2P) lending a popular alternative. P2P platforms connect sellers directly with investors, offering faster approvals, flexible repayment options, and funding tailored to e-commerce needs.
Here are five platforms that stand out for Amazon sellers:
- Onramp Funds: Revenue-based financing tied to sales, same-day funding, and seamless integration with Amazon Seller Central.
- Payoneer Capital Advance: Advances up to $750,000, flexible repayments based on marketplace earnings, and fast deposits.
- Amazon Lending: Directly linked to your seller account with fixed-term loans, but limited transparency on fees.
- SellersFunding (SellersFi): Offers term loans and lines of credit with quick approval, flexible terms, and clear fee structures.
- Kabbage (American Express): Data-driven credit lines with transparent fees and repayment options up to 24 months.
Quick Comparison
| Platform | Funding Speed | Repayment Terms | Amazon Integration | Fee Structure |
|---|---|---|---|---|
| Onramp Funds | Same-day funding | Revenue-based (2–8% sales) | Direct integration | Fixed fee, transparent |
| Payoneer Capital Advance | Minutes after approval | Percentage of future earnings | Direct integration | Fixed fee (3.5–5%) |
| Amazon Lending | 3–5 business days | Fixed monthly payments | AI-driven performance | 6–16% interest rates |
| SellersFunding | 48 hours | 3–24 months | Focused on Amazon | 3–24% fixed fee |
| Kabbage (Amex) | 1–3 business days | 6–24 months | Not optimized for Amazon | Transparent fees |
Each platform has unique benefits. Evaluate your sales trends, cash flow needs, and growth plans to choose the best fit for your business.
New Financing Options After Amazon Lending Ends | Tyler Jefcoat
1. Onramp Funds
Onramp Funds is a financing platform tailored specifically for Amazon sellers who need quick access to working capital without relying on traditional bank loans. Based in Austin, Texas, and created by industry professionals, the platform is designed to eliminate the usual hurdles associated with lending.
The platform operates on a revenue-based financing model, meaning repayments are tied to a percentage of your sales rather than fixed monthly payments. This repayment approach adapts to your business's performance, making it especially appealing for sellers with seasonal or fluctuating sales.
Funding Speed
The process is impressively fast: you can apply in under 10 minutes, get approval within 24 hours, and receive funds the same day.
"We built Onramp to remove the friction traditional lenders create. Our platform integrates directly with your Amazon Seller Central account, giving us the real-time data needed to underwrite and fund your business in under 24 hours."
Nick James, CEO of Rockless Table, shared his experience with the platform's speed:
"Applied, got our offer, and had cash in our bank account within 24 hours. Their Austin, TX based team was very professional and helped me deploy the cash to effectively grow our business."
Integration with Amazon
Onramp Funds seamlessly connects with your Amazon Seller Central account, eliminating the need for time-consuming paperwork or financial statements. This integration allows the platform to analyze sales history, inventory turnover, and growth trends in real-time.
The system also monitors your business performance continuously, adjusting your funding eligibility as your sales grow. This means you can secure additional capital without the hassle of reapplying. To get started, you simply link your Amazon store, enabling Onramp to assess your sales data and create a personalized cash offer. The platform requires a minimum of $3,000 in average monthly sales and a legally registered business in the United States.
The results speak for themselves. Onramp reports that its customers have achieved revenue growth of +7% within 180 days of using their funding. Eric Youngstrom, Founder and CEO of Onramp Funds, noted:
"We've seen customers grow up to 75% in their first 180 days with us."
This integration sets the stage for flexible repayment options.
Repayment Flexibility
Onramp's repayment structure adjusts automatically based on your sales performance, unlike traditional loans with fixed payment schedules.
"Repayment schedules are paced to your sales, allowing you to pay for your inventory when you sell it, not before, with no surprises."
This flexibility proves invaluable during slower sales periods or unexpected market shifts. Torrie V., Founder and Owner of Torrie's Natural, shared her experience:
"Onramp has simplified cash flow by automating everything: easy to request, set it and forget it payments - quick and fast!"
This adaptable approach aligns with Onramp's goal of offering straightforward and user-friendly financing.
Fee Transparency
Onramp employs a flat fee structure, charging between 0.5% and 2% of gross sales. There are no hidden fees, interest rates, or compounding charges. This clear pricing model helps you accurately calculate the cost of funding and manage cash flow effectively.
The platform has a 3.9 out of 5-star rating on the Amazon Selling Partner Appstore. Reviews often highlight the quick funding process and transparent repayment terms. However, some users have expressed concerns about responsiveness during periods of declining sales, which is something to consider.
Jeremy, Founder and Owner of Kindfolk Yoga, summed up his experience:
"Onramp offered the perfect solution with revenue-based financing to secure the capital we needed to invest in inventory and pay it back at a reasonable time frame once we made sales. The process was quick, easy, and the support was great."
2. Payoneer Capital Advance
Payoneer Capital Advance provides Amazon sellers with a cash flow solution by offering working capital based on their future marketplace earnings. This service is tailored for sellers who might not qualify for traditional financing, with advances available up to $750,000 or 140% of your monthly Amazon store volume.
Essentially, Payoneer purchases a portion of your future receivables for a fixed fee, giving you instant access to funds. These funds are then gradually repaid through your marketplace earnings.
Funding Speed
Once you accept an offer, the funds are deposited into your Payoneer account within minutes and are ready to use right away.
To speed up the process, sellers should connect their Amazon stores to Payoneer through the Store Manager feature. Make sure your store's account statement details are completed in Store Manager and verify Payoneer developer access in your Amazon Seller Central account.
Integration with Amazon
Payoneer simplifies funding by integrating directly with Amazon. Using the Store Manager feature, the platform analyzes your historical and projected Amazon sales data, consolidating all your store information into one interface. This integration automates loan decisions by pulling data directly from your seller account.
Offers are determined based on your store's past sales performance and projected future sales. Eligible sellers can receive Capital Advance offers in USD, GBP, or EUR for Amazon stores operating on platforms like Amazon.com, Amazon.co.uk, Amazon.de, Amazon.fr, Amazon.es, or Amazon.it.
Eligibility factors include receiving payments into a Payoneer account, connecting your store to Payoneer via Amazon MWS, store location, seniority, and health metrics. Importantly, the Capital Advance program operates independently, meaning it’s not tied to any credit line or other financial institutions.
Repayment Flexibility
Payoneer’s repayment model adjusts to your business’s cash flow. Instead of fixed repayments, the platform collects a set percentage of your future earnings as they flow into your Payoneer account. This approach removes the pressure of rigid repayment schedules.
Settlement periods range from 1 to 6 months, depending on the offer you choose. You can select an advance amount that suits your needs, and while the amount impacts the collection percentage, it doesn’t alter the estimated settlement date.
For example, if you take a $50,000 advance with a 3% fee, your total repayment would be $51,500, deducted as a fixed percentage from each marketplace payment.
Fee Transparency
Payoneer applies a fixed fee of 3.5%–5% for three-month offers. The exact fee is clearly displayed in the list of offers on the Capital Advance page in your Payoneer account.
Many Amazon sellers have shared positive feedback about the program. Andrew, the owner of FastnFuriousShipments.com, which experienced a 5,400% growth in one year with Payoneer’s support, shared:
"Payoneer is reinventing capital partnership by truly getting to know its customer and their business, revenue, profitability, and potential."
Evans, the owner of Westend Toys, highlighted the program’s accessibility:
"For small growing eCommerce businesses like us, easy and cheap access to growth capital is essential to our success. Payoneer's Capital Advance program is easy to understand, quick to get cash in your hand and offers very competitive rates."
3. Amazon Lending
Since its launch in 2011, Amazon Lending has extended up to $863 million in loans to eligible Amazon sellers. The program offers term loans, business lines of credit, and merchant cash advances, all facilitated through trusted third-party providers. Its tight integration with your seller account streamlines the application process, using automated decision-making based on your marketplace performance.
Integration with Amazon
Amazon Lending leverages your sales history and customer metrics from Seller Central to create automated loan offers. These offers are accessible directly within your account for review and acceptance. To increase your chances of receiving an offer, focus on maintaining strong customer metrics, at least a year of sales history, and a solid sales track record - all while adhering to Amazon's guidelines. This direct integration simplifies the process and enables quick access to funding.
Funding Speed
Once you accept a loan offer, Amazon Lending ensures fast funding. In some cases, sellers have reported receiving funds in under 24 hours, providing an immediate boost to inventory investments. This speed is largely due to Amazon's access to your sales data, customer metrics, and account history, which eliminates much of the typical back-and-forth. However, it’s important to note that the loans come with fixed repayment terms.
Repayment Terms
Amazon Lending operates with fixed monthly repayments, which remain consistent regardless of fluctuations in your sales. These payments are automatically deducted during Amazon's standard payout cycles. While this structure offers predictability, it also means you’ll need to carefully plan for steady cash flow to meet these obligations, even during slower sales periods. Industry experts point out that this rigidity can be a challenge for businesses with seasonal or inconsistent revenue.
Transparency of Fees
One notable drawback of Amazon Lending is its lack of upfront fee disclosure. Interest rates, which range from 6–16%, are not fully detailed in advance, making it difficult to gauge the true cost of borrowing. Jessica Anderson from Real Digital highlights this concern:
Interest rates and detailed loan terms should be disclosed upfront, making it harder to evaluate the cost of borrowing.
For merchant cash advances through Parafin, there are no late fees, and the capital fee remains fixed after acceptance. However, NerdWallet advises caution:
Little public information about these products is available, so it may be difficult to know whether you've been offered competitive rates and terms.
Before committing to an Amazon Lending offer, it's wise to compare it with other financing options. The lack of transparency around rates means the actual cost of borrowing could end up being higher than expected.
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4. SellersFunding
Now operating as SellersFi, this platform has facilitated over $1 billion in funding and supports 30,000 eCommerce sellers across several countries. SellersFi provides Amazon sellers with two main financing options: Capital Loans (Term Loans) and Lines of Credit, both designed to meet the unique demands of online businesses.
Funding Speed
SellersFi is known for its quick approval and funding process. Loans can be approved in as little as 48 hours, with funds disbursed in the same timeframe. Additionally, the platform offers an Amazon Revenue Advance feature, which allows sellers to access their Amazon payouts within 48 hours. This fast funding process has been a game-changer for businesses needing immediate capital. For instance, CROSSNET credited SellersFi with helping them secure millions in revenue to fulfill a major order from Sam's Club.
"With an easy application and approvals in as fast as 48 hours, enjoy financing for any business need." – SellersFi
This accelerated funding is complemented by repayment terms that adapt to the seller's cash flow needs.
Repayment Flexibility
SellersFi provides repayment options designed to align with varying cash flow situations. For Capital Loans, repayment terms range from 3 to 24 months, with equal installment payments calculated based on the principal and a fixed fee. Payments are automatically collected bi-weekly or monthly. On the other hand, the Line of Credit option allows sellers to choose repayment schedules between 3 and 24 months for each withdrawal, subject to approval. Sellers can also benefit from up to 6 months of interest-only payments, which can be particularly helpful during slower sales periods or when making significant inventory investments. This flexibility is especially useful for sellers navigating seasonal fluctuations.
Integration with Amazon
SellersFi enhances its funding solutions by integrating directly with Amazon Seller Central. This integration streamlines financial management by offering funding, payment solutions, and real-time business insights all in one place. By analyzing sales data and inventory levels, SellersFi can provide tailored funding offers that match the seller's business performance.
Fee Transparency
SellersFi is upfront about its costs, helping sellers make well-informed financial decisions. Capital Loans come with a fixed fee ranging from 3% to 24%, while the Line of Credit carries an APR between 9.99% and 24.99%. This transparency has earned the platform high customer satisfaction ratings, including a 4.4/5 on Trustpilot (based on over 450 reviews), a 4.2/5 on Google Business (312 reviews), and an A‑ rating from the Better Business Bureau. Surveys show that 87% of customers - many of them Amazon sellers - express satisfaction with the platform.
Customer reviews frequently praise the platform's clarity and service. Eric Mendez shared:
"The SellersFi team was very responsive and always on top of things throughout our process. They were clear about their proposed terms and were able to accommodate the processes on our end with no problem. The timelines for funding were accurate. Thank you again for all your assistance for a painless process!" – Eric Mendez
Another satisfied customer from Mak Wholesales LLC remarked:
"I have THE BEST experience with this company out of many others I worked with in the past for financing my Amazon business. Easy process, great customer service, and just one of the best rates for the loans." – Mak Wholesales LLC
5. Kabbage (Now American Express Business Line of Credit)
Wrapping up our review, the American Express Business Line of Credit - formerly known as Kabbage - offers a funding option designed with Amazon sellers in mind. This solution uses a data-driven approach to provide flexible working capital.
Since its inception, Kabbage (now under American Express) has funded over 500,000 small businesses, distributing more than $16 billion in capital. The platform evaluates businesses based on factors like transaction volume, time in business, overall business activity, and even online presence. Interestingly, linking social media accounts has been associated with a 19% reduction in delinquency rates.
Funding Speed
Once approved, funds are typically deposited into your business bank account within 1 to 3 business days. For those using Amex Business Checking, instant deposits are also an option.
Repayment Options
The platform provides flexibility through various loan terms. You can choose installment loans with repayment periods of 6, 12, 18, or 24 months, or opt for short-term single repayment loans lasting 1 to 3 months. As you make payments, your available credit replenishes, and there are no penalties for paying off loans early.
Transparent Fees
One of the standout features is its clear fee structure. Monthly fees are applied to any outstanding balance, and all costs are disclosed upfront, ensuring sellers know exactly what to expect when it comes to payments.
Platform Comparison Chart
Choosing the right funding platform can play a big role in shaping your growth strategy. Below is a quick look at how some key platforms stack up in areas that matter most to Amazon sellers. The focus here is on solutions tailored to the unique needs of eCommerce businesses.
Funding Speed
Onramp Funds stands out with same-day funding once approved, and their application process takes less than 10 minutes. By comparison, Amazon Lending generally takes 1–3 business days for approval, with funds arriving in 3–5 business days. The chart below highlights these differences for easy comparison.
Repayment Flexibility
Onramp Funds uses a revenue-based model, allowing you to repay a percentage of your sales instead of fixed payments. Amazon Lending, on the other hand, offers short-term loans with repayment terms of up to 12 months and interest rates ranging from 6% to 16%.
Amazon Integration
Amazon Lending utilizes AI to evaluate your store's performance when determining funding eligibility. Similarly, Payoneer Capital Advance evaluates your monthly store volume, offering up to $750,000 or 140% of your monthly sales. Onramp Funds also integrates with other major eCommerce platforms like Shopify, BigCommerce, and TikTok Shop.
| Platform | Funding Speed | Repayment Terms | Amazon Integration | Fee Structure |
|---|---|---|---|---|
| Onramp Funds | Same-day funding | Revenue-based (2–8% of sales) | Direct integration | Fixed fee, transparent |
| Payoneer Capital Advance | Fast funding | Varies | Direct integration | Varies |
| Amazon Lending | 3–5 business days | Up to 12 months | AI-driven performance analysis | 6–16% interest rates |
| SellersFunding | 48 hours | 3–24 months | Focused on Amazon | 3–24% fixed fee |
| American Express (Kabbage) | 1–3 business days | 6–24 months | Not optimized for Amazon | Transparent fee structure |
Conclusion
Selecting the right P2P lending platform can play a major role in the success of your Amazon business. With over one-third of small business owners citing a lack of capital as a primary reason for shutting down, securing reliable funding is often the difference between thriving and just surviving.
Financing is not just about covering costs - it’s about scaling effectively. Each platform comes with its own perks, so it’s important to choose one that aligns with your specific goals, sales performance, and growth plans. Pay close attention to factors like how quickly you can access funds and the flexibility of repayment options to ensure the platform meets your needs.
Timing is critical. Delayed funding can mean missed opportunities for inventory investments, which can slow down growth. Look for platforms that understand the unique challenges Amazon sellers face, from fluctuating sales to seasonal demands.
To make an informed decision, dive into your Amazon sales reports to identify trends and inventory needs. Compare funding terms carefully and read the fine print of agreements. If needed, consult a financial advisor to ensure you’re making the best choice.
Ultimately, your financing strategy should align with your business’s performance and long-term goals. Whether it’s revenue-based financing, traditional loans, or merchant cash advances, the right solution will support your vision and help your Amazon store grow sustainably.
FAQs
What advantages do peer-to-peer lending platforms offer Amazon sellers over traditional loans?
Peer-to-peer lending platforms bring several perks to Amazon sellers compared to traditional loans. One standout benefit is the speed of funding. These platforms often disburse funds within just a few days, a game-changer for eCommerce businesses that need to quickly replenish inventory or ramp up marketing efforts.
Another advantage is the flexibility in terms and repayment options. Many P2P lenders offer repayment plans tied to sales performance, rather than fixed monthly payments. This approach eases the strain on cash flow, allowing sellers to grow their businesses without being locked into rigid bank loan structures.
In short, peer-to-peer lending gives Amazon sellers the agility to meet market demands and take advantage of growth opportunities without the usual delays and constraints of traditional financing.
What should Amazon sellers look for in a peer-to-peer lending platform?
When selecting a peer-to-peer lending platform, Amazon sellers should pay close attention to a few essential factors to find the right match for their business. Start with interest rates and repayment terms - these will directly impact the total cost of borrowing. Some platforms offer repayment options tied to your sales, like revenue-based financing, which can provide more flexibility if your income fluctuates.
You’ll also want to check the platform’s eligibility criteria. Things like your credit score and the size of your business could determine whether you qualify. Lastly, choose a platform with a solid reputation, clear terms, and solutions tailored for eCommerce sellers. Keeping these points in mind can help you secure funding that fits your business goals and cash flow requirements.
What is revenue-based financing, and how can it benefit Amazon sellers with fluctuating sales?
Revenue-based financing (RBF) is a funding option where businesses secure capital in exchange for a share of their future revenue. Instead of committing to fixed monthly payments, repayments fluctuate based on how much the business earns, making it a more adaptable choice for companies with unpredictable income streams.
This model works particularly well for Amazon sellers and other eCommerce business owners. When sales are slow, repayment amounts drop, providing some relief for cash flow pressures. On the flip side, during peak sales periods, businesses can pay more without being tied to rigid payment terms. RBF gives businesses a flexible way to secure funds, making it easier to invest in essentials like inventory or marketing to fuel their growth.
