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Last Updated: 06/21/2025

Amazon Lending

from Amazon

Last Updated: 06/21/2025
Amazon Lending logo
Rating not yet determined2 total votes
2 users don't recommend

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Highlights

Amount Range

$1,000 - $750,000

APR (Fixed APR)

6% - 14%(Verified 06/21/2024)
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Loan Term (Months)

Up to 12
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Amazon Lending Review

Amazon lending is a business financing offering by Amazon, based in North Seattle, WA. Founded in 1994, Amazon offers access to small business loans in 50 states (and Washington, DC).

Amazon lending FAQ

What are Amazon lending rates?

Amazon lending offers a fixed APR business financing product that ranges from 6% APR up to 14% APR.

Does Amazon lending charge an origination fee?

Yes, Amazon lending charges a loan origination fee .

Does Amazon lending charge prepayment fees?

Yes, Amazon lending may charge additional fees to borrowers who pay off their small business loans sooner than anticipated. Take this into consideration when choosing a business loan product because prepayment penalties can reduce or even cancel the interest savings of repaying a business loan early.

How much can you borrow from Amazon lending?

Business loan amounts start at $1,000 and go up to $750,000.

What is the maximum business loan term you can get with Amazon lending?

Amazon lending offers small business loans with a maximum term of 12 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

What do you need to qualify for Amazon Lending?

Amazon Lending requires companies to be in business for at least month
Applicants with a credit score of at least 640 and up to 850 may be eligible for Amazon Lending.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Amazon Lending. An uncommon feature is for lenders to offer their services to non-residents. Amazon is one of the few that does. If you are a non-resident looking to access these services through an entity incorporated in the U.S., you are in luck. Amazon Lending will consider you for their services.
To qualify, applicants may need to provide the following documentation:
  • Proof of income
  • Proof of identity

What is the estimated funding time for a business loan via Amazon lending?

Amazon lending can fund small business loans within 7 business days.

Does Amazon perform a hard credit pull?

Yes, Amazon lending performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Amazon Lending logo

Message from Amazon lending

Working capital loans designed with your business needs in mind. Amazon Lending provides financing options to help small and medium-sized businesses grow on Amazon. Business financing options are extended to eligible sellers and the application process is 100% digital. Once you select the option that meets your business needs, you can apply for the amount that works for you, up to the full amount you’re eligible for, and there are no hidden fees.

Contact

Headquarters

410 Terry Ave
North Seattle, WA 98109
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Rating not yet determined (3 Reviews)

SuperMoney Net Recommendation Score

Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.

-100

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Everyone recommends
The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Amazon Lending Community Reviews

Would you recommend Amazon Lending to your friends?

U

Anonymous

Jun 3, 2022

May or may not recommend

They keep offering you more loans and each clears the previous one and then goes on a longer term (refinancing), this can work to lower your payments of you take a small loan, you get used to this, then suddenly, without any explanation they don't offer re-financing, no one will explain why, I think ours was because of a mess up at Amazon they wanted us to resubmit our company ...Show More
U

Anonymous

Oct 24, 2019

May or may not recommend

Discriminate, cancel cards even though everything is paid and good credit, and abuse of power. Would never recommend to friends, becarful with this lending.

Showing 2 of 2 reviews

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