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Amazon Lending

in Business Loans

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Amazon Lending

Unaffiliated

in Business Loans

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Overview

Where does Amazon Lending do business?

Amazon Lending is a direct lender based in Seattle, WA. It was founded in 1994 and offers access to business loans in 50 states (and Washington, DC).

What are Amazon Lending’s rates?

Amazon Lending offers business loans with fixed APRs starting from 6% and up to 14%.

Does Amazon Lending charge an origination fee?

Yes, Amazon Lending charges a loan origination fee.

What limitations does Amazon Lending set on the purpose of the loan?

Some lenders only provide business loans for certain purposes. Amazon Lending considers loan applications for the following reasons:

  • Business Debt Refinance
  • Equipment Purchase
  • New Location
  • Product or Service Expansion
  • Working capital

What types of business loans does Amazon Lending offer?

Not all business loans are made equal. The type of loan you choose will determine the range of rates and terms you receive. Amazon Lending provides access to the following business loan types:

Does Amazon Lending charge prepayment fees?

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

How much can you borrow from Amazon Lending?

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

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

Amazon Lending offers 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 a loan with Amazon Lending?

Applicants with a credit score of at least 640 can apply for a loan via Amazon Lending.

Amazon Lending does not require borrowers to have been in business for a minimum number of years.

U.S. citizens, permanent residents, and non-residents can all apply for a Amazon Lending loan. Amazon Lending will also consider borrowers who are unemployed.

To qualify, applicants may need to provide the following documentation:

  • Proof of Identity
  • Proof of Income
  • What is the estimated funding time for a business loan via Amazon Lending?

    Amazon Lending can approve (or deny) a loan application within 72 hours and fund business loans within 1 business day of approval.

    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...

    Contact

    • Headquarters
    • PO Box 81226
      Seattle, WA 98108 USA
    • Visit Site

    Availability

    Available in 50 States and Washington, DC
    • Alabama
    • Alaska
    • Arizona
    • Arkansas
    • California
    • Colorado
    • Connecticut
    • Delaware
    • Washington, DC
    • Florida
    • Georgia
    • Hawaii
    • Idaho
    • Illinois
    • Indiana
    • Iowa
    • Kansas
    • Kentucky
    • Louisiana
    • Maine
    • Maryland
    • Massachusetts
    • Michigan
    • Minnesota
    • Mississippi
    • Missouri
    • Montana
    • Nebraska
    • Nevada
    • New Hampshire
    • New Jersey
    • New Mexico
    • New York
    • North Carolina
    • North Dakota
    • Ohio
    • Oklahoma
    • Oregon
    • Pennsylvania
    • Rhode Island
    • South Carolina
    • South Dakota
    • Tennessee
    • Texas
    • Utah
    • Vermont
    • Virginia
    • Washington
    • West Virginia
    • Wisconsin
    • Wyoming

    Feature Breakdown

    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Credit Score Range
    640 - 850
    850 300 640
    Immigration Status Considered
    • Non-Residents Through Entities Incorporated in the U.S.
    • U.S. Citizen
    • U.S. Permanent Resident
    • Non-Resident
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
    Verification Documents Required
    • Proof of Identity
    • Proof of Income
    Loan Term (Months)
    Up to
    12
    Loan Amount
    $1K - $750K
    $100 $1M+
    APR
    ()
    6% - 14%
    0% 100%+

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