Financing & Funding For Amazon Sellers

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Why choose Kickfurther for

Amazon Seller Financing?

Don’t pay until
you sell.

Your payment obligation only begins once your sales are made. This alleviates the cash-flow pinch that lenders cause without customized repayment schedules. Free up capital to invest in scaling your business without impeding your ability to maintain inventory

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Amazon Seller Funding Options


Amazon provides a great way for retailers to make money, but you may need an Amazon seller loan to boost sales. Getting started on the platform requires funding that you may not have available. The good news is that there is financing for Amazon sellers available. Amazon seller financing can provide the capital you need. 

This article will review Amazon seller loan options so you can determine which is right for your company. Amazon is the largest e-commerce market in the world. It’s a fantastic way for retailers to make money. But starting an Amazon store takes a bit of funding. The biggest expense will be inventory, but there are also sales and shipping fees to consider. FBA (Fulfillment by Amazon) can also add to costs. Fortunately, you can get an Amazon seller loan that will provide you with the funding you need to start your business. We will also share alternative funding options with you for those who may not qualify for an Amazon seller loan or those who do not want to use Amazon’s financing.

Does financing for Amazon sellers exist?

Yes, there are plenty of options when it comes to funding for Amazon sellers. Options can vary depending on what you need to borrow money for. For example, if you just need to cover the cost of inventory, inventory funding may be the best option. However, if you need to finance equipment, cover payroll, or some combination of expenses, you may need to look into other options.

What are the different funding options for Amazon sellers?

As a business owner, it’s your responsibility to make sound financial decisions while bringing your vision to life. Determining how much you need to borrow and what you need to borrow for, can help you narrow down financing options. If you only need to borrow to cover the cost of inventory, you should consider inventory funding or similar. Below, we have organized information on a variety of loan types that may work for your business. Let’s take a look.

Amazon Lending

There are various options for Amazon Lending. Here are a few examples:

  • You can get a short-term business loan directly from Amazon which can range in value from $1,000 to $75000. Loans must be paid back within 12 months and interest rates are typically between 6 and 16%.
  • Amazon also partners with Marcus by Goldman Sachs to offer lines of credit between $10,000 and $75,000. Interest rates range from 6.99% to 20.99%.
  • Amazon Community Lending is a pilot program that offers inexpensive loans through Lendistry, a non-profit lender. They range from $10,000 to $10,000 and have an APR of 8% to 9.9%. Terms can be as long as two years.

To qualify for these loans, you must receive an offer from Amazon. They are typically sent to sellers that have been with Amazon for at least one year.

While these loans are great, they can only be used for Amazon related expenses. They can not be used to expand your business into other markets.

Inventory Financing or Funding

Inventory financing is another Amazon seller loan option. Sellers can borrow about 80% of the value of the inventory they are buying. The funds can be sent directly to the seller, or the inventory can be financed before it’s manufactured. The challenge with inventory financing is that it can be expensive and as with any loan, hard to qualify for. Amazon sellers in search of affordable inventory funding should visit Kickfurther online. Kickfurther is the world’s first online inventory platform that enables companies to access funds that they were unable to acquire through traditional sources.

Business Line of Credit

Business lines of credit cover recurring expenses like inventory. They are similar to a credit card as they provide a credit line for purchases. Many lenders offer small lines of credit that can be accessed quickly making them an ideal option when it comes to financing for Amazon sellers. Lines of credit are typically available in amounts that range from $5,000 to $500,000. They are repaid with interest. An annual fee may apply as well.

Short Term Business Loans

A short-term business loan is ideal for one-time expenses. They have more flexible credit and revenue requirements than long term loans making them perfect Amazon seller financing choices. Amounts are usually between $5000 and $500,000. Short term loans are usually paid back in 3 to 28 months. One drawback is, interest rates can be exceptionally high, sometimes as high as 60%.

Merchant Cash Advances

A merchant cash advance is a good way to deal with cash flow issues that can arise if you’re being paid mostly through credit cards. It allows you to borrow a lump sum based on your credit card sales. The amount is repaid with a fixed fee and a percentage of your daily or weekly sales. Approval is based on your sales so your credit score will not be a factor.

Merchant cash advances are typically available in amounts ranging from $2,500 and $250,000 and you can get funded in just a few days. However, interest rates can be as high as 300%. It can also be hard to keep up with payments if credit card business is slow.

Peer to Peer Business Loans

Peer to peer loans make good funding for Amazon sellers that are just starting out. They usually range from $2,000 to $50,000 and they are ideal for applying to start up fees. They are personal loans and therefore take your personal assets and income into account in determining eligibility.

Interest rates are typically between 5% and 36% and an origination fee may be added on. The loans are paid back in monthly installments over the course of 2 to 7 years.

How does Amazon FBA work?

With FBA, not only do you get the benefit of Amazon’s infrastructure and ability to offer Prime shipping, but they also do all the hard work for you.

FBA offers a simple way for online retailers to have a fulfillment solution without having to maintain complicated logistics processes. This type of fulfillment method is designed to help entrepreneurs keep their operations leaner. The only downside? You have to buy the inventory long before you sell it, and then ship it to Amazon’s warehouses.

There’s one problem – you have to buy the inventory long before you sell it, and then ship it to their warehouses, of course. This is fine if you have significant capital to buy more inventory whenever you need it, but more often than not, Amazon sellers, like many small and growing businesses, work on tight budgets and a number of expenses that cut into their ability to produce as much inventory as they would like.

So, if you’re experiencing increased demand for your products but you don’t have the cash to meet demand, what are your options? Here we’ll cover some of the best amazon seller loan options.

What is an Amazon FBA Loan?

FBA stands for fulfillment by Amazon, and so an FBA loan is a loan designed to lend to this business model. Unfortunately, there aren’t any loans out there designed specifically for the FBA business model, but there are still a number of ways to fund your Amazon business, which we’ll review below. Also known as Amazon lending, Amazon’s FBA loan is designed specifically for Amazon sellers that are experiencing limited cash flow. This type of financial product can be used to purchase additional inventory, introduce new product offerings, or for expansion purposes. One roadblock, however, is that FBA loans aren’t accessible to everyone. Amazon sets the amount you will be eligible to borrow as well as the interest rates that you would have to pay.

Pros and Cons of an FBA Loan

If you have recently been invited by Amazon to avail of an FBA loan, it’s important to understand the different benefits and drawbacks that it may pose to your business.


  • Since it’s invite-only, this will be the easiest loan application you’ll ever apply for.
  • Amazon determines your eligibility based on your sales performance. No more pesky credit checks!
  • An FBA loan is great if you think you wouldn’t be able to qualify for other loans.


  • An FBA loan can be limiting since the primary focus on this type of loan is to purchase additional stock or expand your product line.
  • If you become unable to pay back the loan, Amazon reserves the right to seize the additional inventory you purchased to recover the debt.
  • As mentioned above, one roadblock is that Amazon determines how much you get to borrow as well as the repayment terms of your loan.

Unfortunately, there aren’t many loans out there designed specifically for the FBA business model, but there are still a number of ways to fund your Amazon business, which we’ll review below.

How can I qualify for Amazon seller financing?

To qualify for Amazon seller financing, you may need to provide documents including:

  • Business and personal taxes returns and bank statements
  • Profit and loss records
  • A detailed business plan
  • Financial records

If the lender finds that your financials meet their requirements, they can approve your loan.

Is it difficult to get Amazon seller financing?

It can be difficult to get an Amazon seller loan if you are just starting your business. Most lenders will want a proven track record of your success before investing. If you are having trouble securing a loan, consider looking into loans specially designed for startups.

How quickly can I get Amazon seller financing? 

The amount of time it takes to get Amazon seller financing varies according to the type of loan you’re applying for, the lender you are working with, and other factors.  Amazon typically takes around 5 days to approve a loan. Lines of credit can be approved pretty quickly as well. Other loans may have longer approval processes and can take up to 30 or even 60 days. You will want to check with the lender for a more accurate estimate of how long it will take for your loan to be approved and funded.

How much does Amazon seller financing cost?

The cost of Amazon seller financing can vary. The loan amount, interest rate, term, and other factors can impact the total cost of financing. As you compare financing options, you should compare total loan costs.

Which financing option is best for your Amazon business?

Now that you have more education about financing options available, you can look into the options you see most fit. Every Amazon seller runs their own unique business with it’s own goals, therefore, there is no one financing option that is best for everyone. If you can secure the funds you need with an affordable monthly payment, flexible repayment terms, and a relatively low loan cost, you have probably found the best Amazon seller financing for your business. 

How Kickfurther can help you grow your business?

Kickfurther helps Amazon sellers get the inventory they need while allowing them to pay later. The Kickfurther platform connects brands to a community of eager buyers who help fund the inventory on consignment and gives brands the flexibility to pay that back as they receive cash from sales. Compared to other options, Kickfurther is up to 30% cheaper. Once approved, our community of backers funds most deals within a day, often within minutes to hours.

The investors here are (or become) your biggest supporters and fans, so not only do they get a return on their money for believing in you, but you can feel positive knowing they also want you to succeed. (Unlike banks, which often feel cold and calculating, even when they offer encouraging financial products.)

How is Kickfurther FBA seller financing different to other financing companies?

We’re different because we’ve created a positive space for you to seek funding. You don’t have to submit an application to a bank manager and wait to hear if that person thinks you’re reliable.

We do have expectations about how you put yourself forward as a brand on our platform (you can read more about our expectations for brands and investors here), and we do require your company to go through a vetting to ensure you’re business is legitimate and a safe investment for the supporters who use our platform. (That’s why over 90% of our co-ops get funded.) You can read more about the screening process here.

How is Kickfurther different to Amazon’s own lending platform for sellers?

When you borrow through Kickfurther, you’re working directly with the fans and supporters that believe in your company. You’ll get the money in a lump sum, as you would with Amazon’s own platform, but you make payments on the money instead of it being automatically subtracted from your income.

You also don’t have to use all the money to fuel inventory on Amazon. This makes us ideal if you do a lot of sales from your own storefront.

If you’re wondering how Kickfurther works, let us give you a quick rundown:

  • Businesses create their account, upload relevant information, and go through an extensive vetting process.
  • After the vetting process, businesses would have to showcase a strong sales record before they can request the Kickfurther community to purchase their inventory. Deals are made primarily through consignment opportunities or Co-Ops.
  • Kickfurther then starts a crowdfunding campaign based on the terms laid out by the brand.
  • Once the crowdfunding phase is over, a brand specifies a production time frame, a rate of return, and fixed payout dates. This gives buyers an idea about which brand to support based on their repayment terms. Individuals looking to earn money can freely choose which company to help and how much money to offer.
  • Backers then earn payments as soon as the inventory they helped purchase has been sold.

Does Kickfurther provide inventory financing for Amazon sellers of all sizes?

If you are an Amazon seller that sells physical products and has sales over $150,000 over the last 12 months, you can qualify on Kickfurther. Before applying you should gather sales data to ensure you submit accurate information that you can prove if requested. Kickfurther has a 99.5% funding success rate with over 1,000 opportunities funded.

Is it possible to get an inventory loan if I am a new seller on Amazon?

It depends on how new you are. If you are truly just starting out with little to no proven sales, you may not qualify for business loans or inventory financing. However, you may qualify for a personal loan. You could use the personal loan to launch your business. Once you have sales that you can prove, you can explore the next level of financing options.

What are some Amazon sellers that have used Kickfuther?

Two sellers that have successfully used Kickfurther to grow on Amazon are CLIQ Products and Enlightened Minds LLC.

CLIQ Products was even able to fund during the COVID-19 pandemic. They create collapsible outdoor chairs and raised over $57,000 in 2.3 months. They were seeking inventory funding to help them bridge the cap in the cash conversion cycle that is so common for Amazon FBA businesses – for them, this was 8 weeks between buying inventory and realizing revenue.

Enlightened Minds LLC raised $14,000 in less than a month. Jim Taylor, the owner of the company, was able to personally guarantee the co-op, which made it a safe bet for investors. They needed more capital to invest in inventory of their branded games and books.

Both of these companies were able to fund their growing needs directly through their supporters. While CLIQs time-to-funding took longer, they were able to fund a much higher amount to by the inventory of their collapsible outdoor chairs even during a time when much of the world was in quarantine. They correctly forecast that camping and outdoor pursuits would become more popular in the summer when more traditional vacations were risky. It’s this kind of forethought that helped them get the funding they needed.

Enlightened Minds used the power of branded products (Harry Potter, Dungeons and Dragons) and their popularity to quickly land the funding they needed to purchase new inventory.

What is Amazon line of credit?

Amazon’s line of credit is simply their own line of credit, which we discussed in the different types of financing section. As we said there, this can be a good option to help you manage your business finances flexibly.

They offer two different options:

  •       Amazon Business Line of Credit
  •       Amazon Revolving Credit Line

The latter option is the traditional line of credit option, where you make payments on what you’ve borrowed, as you would a credit card.

Their Business Line of Credit is their lending option, and despite being called a line of credit, you pay back in full. They don’t give a representative APR on this, and you’ll need to apply to find out more information from their partner, Synchrony Bank. So, while this is an option through Amazon, you are still working with a traditional bank.

The revolving line of credit starts at 12.99% APR, which suggests the APR for most businesses will be relatively high.

Of course, you need to do your research and think seriously about which form of funding is best for you and your business. Fortunately, the security FBA offers supporters on Kickfurther means that your business is that much more likely to be funded. If you’re looking for funding for Amazon sellers, Kickfurther can be the perfect option if you wish to avoid traditional forms of lending.

Interested in getting funded on Kickfurther?

Create a free business account, complete the online application, and review a potential deal with one of our account representatives. Once approved, our community of backers fund most deals within a day, often within minutes to hours.

How does Amazon Inventory Financing Work?

Connect with consumers across the United States to get your
inventory funded via our marketplace

Create your online account

Create a business account, upload your business information, and launch your deal

Get funded within minutes to hours

Once approved, our community funds most deals within a day, often within minutes to hours, so you’ll never miss another growth opportunity.

Control your payment schedule

We pay your manufacturer to produce inventory. Make the introduction and you’re off and running! Outline your expected sales periods for customized payment terms. At the end of each sales period, submit sales reports and pay consignment profit to backers for each item sold.

Complete and repeat!

Complete your payment schedule and you’re done! Often once the community knows you, you’re likely to get lower rates on your next raise.

Other Industries

We fund inventory for direct-to-

consumer & major store brands

Where you’ve seen us


How does Amazon seller financing with Kickfurther work?

Amazon sellers access funding for inventory (or can get reimbursed for recently produced goods) from marketplace participants. The marketplace allows brands to access private funding at costs that can improve with each use. Your Amazon seller funding goes directly to your manufacturer for production of goods and you make no payments until you receive and begin selling new inventory.

What are the requirements to qualify for Amazon seller financing with Kickfurther?

Your Amazon seller business must be compliant with State and Federal regulations and have an established track record of sales. Kickfurther is for inventory financing so you must have a physical product. Finally, all businesses are subject to approval by the Kickfurther quality team

How can I create a co-op with Kickfurther?

  • Launching a Co-Op involves 3 key steps:
    • Create a basic profile including information about your business and product line. Once you’ve done this you can go live with an “upcoming Co-Op” profile that users can choose to follow to hear when your Co-Op launches.
    • Determine your Co-Op structure using the Kickfurther calculator to determine costs, earnings, and timeline.
    • Verify your Credibility Metrics with the Kickfurther team and finalize your Co-Op profile.