Last Updated: 06/21/2025
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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
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.
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