Operator glossary
Amazon Lending
Working-capital offers inside Seller Central — term loans and credit lines (now largely through partner lenders) sized and priced from your sales telemetry, repaid straight out of disbursements.
Amazon Lending surfaces pre-qualified financing in the dashboard: term loans and lines of credit, underwritten on your sales history rather than traditional credit files, with repayment deducted from marketplace disbursements. Since 2024 the program runs primarily through third-party partners, with Amazon as the data-and-distribution layer.
The convenience is genuine — approval friction near zero for healthy accounts, capital timed to inventory cycles. The discipline: repayment-from-disbursement subordinates your cash flow to the loan, compounding badly with reserves during a downturn. Compare effective APR (fees included) against fintech alternatives before accepting the convenient number in the dashboard.
The numbers
- Products: term loans and credit lines, offered pre-qualified from sales data; repayment deducts from disbursements.
- Now largely partner-operated (post-2024); compare effective APR against outside working-capital options.
Related terms