Skip to content

Securing funding as an
Amazon vendor

van and warehouse with boxes

Many manufacturers and distributors act as a bulk supplier to Amazon, selling directly to the platform to take advantage of its vast and varied customer network.

However securing funding for Amazon-based business models is not quite so simple…

Types of funding available to Amazon sellers and vendors:

1. The Amazon Lending scheme

Amazon offers its own funding scheme for sellers on the site, Amazon Lending, which provides capital to help sellers grow their businesses on the platform. But this scheme is currently invite-only, with invitations extended to prequalified, established sellers. 

If you are invited to join the scheme, you simply complete the application provided and, if the application is approved, should receive a loan within five business days. You can keep track of your loan status, repayments, and history within Amazon’s Seller Central portal.

This is a great option for businesses looking to scale their sales via Amazon’s network (Amazon sellers), but not so useful for firms that want to sell directly to Amazon (Amazon vendors).

2. Conventional business loans

The nature of an Amazon vendor business model can make it difficult to secure a loan from a traditional lender, especially if the business is not already well-established, because of the high concentration of debt into one large organisation. But popular growth funding options such as raising equity are also not particularly well-suited.

If you are an Amazon seller applying for a conventional bank loan to raise cash for your Amazon store, you will increase your chances of success if you can present a thoroughly thought-out pitch and business plan to your prospective lenders.  

3. Capital from a lender that thinks differently

Growth Lending has more experience of working with non-conventional, disruptive businesses and so naturally has a suite of products that are a good match for the types of flexible funding that Amazon vendors need, as well as experience of verifying debt through Amazon’s EDI system.

We focus on smoothing cash flow so that you can confidently reinvest in growth, offering:

  • A scalable release of working capital that reduces your accrued debt and increases monthly outgoings
  • Accelerated payment of invoices to increase cash flow for day-to-day expenses, investment and growth
  • Flexibility, including the option to vary your facility each month, depending on your requirements
  • Support for mergers-and-acquisitions activity, as you pursue opportunities to grow even more quickly


If you are an Amazon vendor and are ready to accelerate your growth, get in touch with a member of our expert team and discover how we may be able to support you.