Funding for Amazon Sellers: 5 Best Options in 2025

E-commerce is booming like never before, and Amazon continues to be the top destination for aspiring entrepreneurs. With Amazon raking in an astonishing $574.78 billion in revenue in 2024, it’s clear the platform holds incredible potential. As Henry Ford wisely said, “Whether you think you can or you think you can’t, you’re right.” That mindset is crucial in the Amazon arena, where your attitude and access to the right resources often determine success.

That said, building a profitable Amazon business comes with its fair share of financial hurdles. From stocking up on inventory to launching marketing campaigns and handling logistics, the costs can pile up quickly. Many sellers find themselves wondering, “How can I fund this journey?” and “Which financing option suits my business best?” These questions are common — and important — because limited capital can stop even the most promising sellers from scaling.

But here’s the good news—you’re not stuck. There are several financing solutions available that are specifically designed for Amazon sellers like you.

To help you turn funding roadblocks into stepping stones, we’ve compiled a guide to five financing options tailored to support Amazon sellers. These tools can provide the capital you need to go from surviving to thriving in the competitive e-commerce landscape.

1. SBA Microloan

Running an Amazon business means constantly moving and adapting. But sometimes, you just need a little financial push to help you level up. That’s where the SBA Microloan program can be a great fit.

This government-backed program partners with select lenders who understand the needs of small and e-commerce businesses. Loans range from $500 up to $5.5 million, and repayment terms go up to 6 years, giving you breathing room to manage your growth.

With interest rates generally between 8% and 13%, SBA Microloans are competitively priced. Since terms vary by lender, it’s smart to shop around to find the best deal for your situation.

Who Qualifies?

This loan is ideal for:

Small, for-profit businesses across different industries
Startups in their early stages
Businesses with minimal or poor credit histories

While a minimum credit score isn’t required, expect to provide collateral and a personal guarantee.

Why It Stands Out

Versatile use: Inventory, supplies, equipment, or working capital
Easier access: Great for businesses that may not qualify for traditional bank loans
No minimum credit score for many lenders
Mentorship: Some lenders include helpful business advisory services

Things to Note

Not suitable for refinancing debt or buying real estate
The application may involve paperwork and a waiting period

Getting Started

You can find participating lenders through the SBA website or by contacting your local SBA office. They’ll walk you through the process and help you get started.

2. Amazon Lending

Amazon Lending is an exclusive financing option designed for sellers who’ve already gained some traction. It’s invitation-only and provides loans from $1,000 to $1 million, tailored to support business activities within Amazon.

With short terms of 3 to 12 months, competitive interest rates, and a seamless application experience, it’s a handy tool to scale your operations without the usual red tape.

Who’s It For?

If your Amazon store has consistent sales and a good performance history, this could be a golden opportunity. It’s ideal for sellers needing capital to grow inventory, promote products, or boost their business in general.

Top Advantages

No credit checks
Fast approval and funding
Funds go directly to your Amazon seller account
No prepayment penalties or origination fees
Offers are based on your unique sales data

What to Watch For

Repayments are automatically taken from your Amazon revenue
It’s invite-only, so you can’t apply on your own
Funds must be used strictly for your Amazon business
Short loan terms can mean higher monthly payments

How to Access It

If eligible, you’ll see an invitation in your Seller Central dashboard. Keep an eye out — it could be your next big move.

3. Viably

Viably is more than just a lender — it’s an all-in-one financial platform built with Amazon sellers in mind. It combines funding, banking, and forecasting into a single tool that gives you complete visibility into your finances and business health.

What Makes Viably Unique?

All-in-one: Handles funding, cash flow forecasts, and business banking
Real-time data: Analyzes your current sales to offer tailored funding
Transparent pricing: One-time flat fee, no hidden charges
Customizable funding: Multiple models to fit different selling strategies
Expert support: Team members with Amazon-specific experience

Is Viably Right for You?

Viably is a solid choice for established sellers looking to scale and gain more control over their business finances. If you want an in-depth, tech-driven approach to managing growth, this could be a powerful partner.

Pros

A full financial management suite
Data-driven, personalized funding options
Clear, straightforward pricing
Multiple funding models based on your needs
Access to Amazon-savvy customer support

Cons

May not be suitable for brand-new sellers
Specific terms and eligibility details are not always disclosed
Some users might need time to get used to the platform’s features

Viably’s range of funding solutions, including options tailored for wholesalers, ensures you’re covered no matter your niche.

4. Amazon Merchant Cash Advance Program

Amazon has teamed up with Parafin to roll out its Merchant Cash Advance Program — a fresh take on business funding. This isn’t a traditional loan. Instead, you receive an upfront cash amount and repay it as a percentage of your future sales.

You can get from $500 up to $10 million, with a fixed capital fee instead of traditional interest. No minimum monthly payments, no credit checks, and no surprises.

Why It’s a Big Deal

Unlike rigid loans, repayment here is flexible and tied to your sales. That means during slow periods, you’re not overwhelmed with fixed payments. It’s a smart way to fund inventory, launch new products, or manage day-to-day expenses.

Who Can Use It?

You must have sold on Amazon.com for at least 3 months
It’s invitation-only

Key Benefits

No interest, just a one-time capital fee
Payments scale with your sales volume
No late fees, credit checks, or personal guarantees
Zero paperwork headaches
Broad usage options including inventory, product dev, and cash flow

A Few Drawbacks

You’ll need at least three months of selling history
Only available to those who receive an invite

Keep an eye on your Seller Central for an invitation. If it shows up, this could be the boost your business needs.

5. SellersFunding (Now SellersFi)

SellersFunding, now operating as SellersFi, is a fintech company that focuses solely on e-commerce. They understand Amazon sellers inside and out — and they’ve built a system that connects directly to your Amazon account for a more accurate, efficient funding experience.

While their APR starts at 18%, which is higher than some other options, the upside is access. SellersFi is more flexible with its approvals and tailors financing to your actual sales data.

Why It Works

Specially designed for Amazon and e-commerce sellers
Uses real-time Amazon data to shape funding offers
Efficient and tech-driven loan process
Welcomes sellers who may not qualify for bank loans

Points to Consider

The APR might be high depending on your risk level
Not ideal if you’re looking for the lowest interest rate
Your Amazon data needs to be healthy for best results

Who Should Consider SellersFi?

Sellers with limited credit history or who were turned down elsewhere
Businesses ready to grow and looking for fast, tech-based funding
Entrepreneurs comfortable with potentially higher rates in exchange for access and speed

Make sure to evaluate if the cost justifies the benefits. For many sellers, SellersFi offers an accessible entry point to scale.

The Bottom Line

In the fast-paced world of Amazon selling, having access to the right financing can be a game-changer. Whether you’re just getting started or ready to take things to the next level, these five funding solutions offer a range of benefits tailored to your needs.

The key is choosing a solution that aligns with your goals, business size, and risk appetite. By doing your homework and picking the right partner, you can fuel your growth, manage your cash flow, and unlock your full potential on Amazon.

With the right strategy and support, there’s no limit to what your business can achieve. We’re cheering you on every step of the way!