Where does Amazon Lending do business?

Amazon Lending is a direct lender based in Seattle, WA. The company was founded in 1994 and offers business loans to borrowers in Washington, DC and 50 states.

What are Amazon Lending’s rates?

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

Does Amazon Lending charge an origination fee?

Yes, Amazon Lending charges a loan origination fee .

Does Amazon Lending charge prepayment penalties?

Yes, Amazon Lending charges additional fees to borrowers who pay off their loans soon 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 $1000 and go up to $750000

What is the maximum loan term for a Amazon Lending business loan?

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

What is Amazon Lending’s eligibility criteria?

Amazon Lending only considers applicants who have a credit score of at least 640 to apply.

Active duty servicemembers and their covered dependents cannot apply for a loan with Amazon Lending. The Military Lending Act prohibits lenders from charging servicemembers more than a 36% APR.

To qualify, applicants must provide the following documentation:

You must have a job to qualify for a loan. 

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


  • Max Loan Term (Months)
  • Institution Type
    Direct Lender
  • Credit Score Range
    640 - 850
  • Business Loan Type
    Unsecured Term Loan
  • Intended Use of Funds
    • Business Debt Refinance
    • Equipment Purchase
    • Lease Improvements
    • New Location
    • Product or Service Expansion
    • Working Capital
  • Approval Speed (Hours)
  • Funding Time Range (in days)
    1 - 7
  • Loan Amount
    $1000 - $750000
  • APR
    6% - 14%
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