Last updated: July 31st, 2026
Amazon Seller Loans give UK FBA and Vendor businesses access to working capital, inventory funding and growth finance without relying solely on Amazon Lending. As an independent commercial finance broker we compare specialist Amazon FBA loans, merchant cash advances, unsecured business loans and invoice finance facilities tailored to sellers with typical turnovers of £250k–£10m+.
Are you interested in a Amazon FBA Seller Business Loans, if so lets look at what finance options might be available for your UK Fulfilled by Amazon eCommerce business.
There are a number of specialist finance providers for Amazon sellers in the UK, USA and Canada. As well as more general whole of market lenders that offer business loans, stock finance, trade finance and revolving credit facilities. Lets explore the different options below.
Apply Now for an Amazon Seller Loan today or speak to one of our team for a free, no-obligation review of your options.
Disclaimer: We are not affiliated with Amazon, we are a independent commercial finance broker
Table of Contents
Amazon Seller Loans UK – What Options Are Available?
Selling on Amazon (FBA or Vendor) creates strong revenue potential, but inventory cycles, advertising spend and Amazon’s payment terms often create cash-flow pressure. Amazon Seller Loans and related Amazon FBA funding solutions are designed to solve this.
Depending on your trading history, monthly sales, credit profile and whether you hold property equity, the main routes available in the UK are:
- Specialist working capital / Amazon FBA funding facilities
- Unsecured Amazon Seller Business Loans
- Secured Amazon Seller Business Loans
- Amazon FBA Merchant Cash Advance
- Stock & Trade Finance
- Invoice Finance / Factoring (particularly useful for Amazon Vendors)
Below we explain each option, typical eligibility and when it tends to work best.
Comparison of Amazon Seller Loan & Funding Options
| Option | Typical Amount | Min. Trading History | Repayment Style | Credit Flexibility | Best Suited For |
|---|---|---|---|---|---|
| Specialist Working Capital / Amazon FBA Funding | £10k – multi-million | 6 months+ | Flexible / term | Moderate–Good | Inventory, ads, growth capital |
| Unsecured Business Loan | £5k – £5m | 2 years+ | Fixed monthly | Good credit preferred | Predictable repayments, established sellers |
| Secured Business Loan | Higher limits possible | Can be shorter | Fixed monthly | More flexible | Larger facilities or weaker credit |
| Merchant Cash Advance | Up to ~200% of monthly sales | 4–6 months | % of future Amazon sales | Higher acceptance | Strong sales, flexible cash flow |
| Stock / Trade Finance | Order-based | Varies | Spread over 3–12 months | Varies | Specific inventory purchases |
| Invoice Finance / Factoring | Up to 90% of invoices | Often none | Against receivables | Flexible | Amazon Vendors & B2B sellers |
Figures are indicative only and subject to individual underwriting. We will confirm exact terms once we understand your figures.
Eligibility & How to Apply for Amazon Seller Loans
Most specialist Amazon Seller Loans and Amazon FBA funding providers will look at:
- Length of time selling on Amazon
- Consistency and growth of monthly sales
- Account health and performance metrics
- Overall company and personal credit (where relevant)
- Use of funds and repayment affordability
Typical process with Bolton Finance
- Brief discussion of your requirements and figures.
- We approach suitable lenders (specialist Amazon funders and wider market).
- Indicative offers presented with clear costs and terms.
- Full application and underwriting.
- Funds released – often within days once approved.
We act as your independent broker throughout. There is no obligation and we only proceed with options that make commercial sense for your business.
Amazon FBA Loans & Working Capital for Sellers
Specialist lenders who focus on Amazon and e-commerce businesses can often advance higher multiples of revenue than mainstream banks. Many will link into Seller Central data and look at sales performance rather than relying solely on traditional accounts.
Typical features
- Credit limits commonly from £10,000 up to several million
- Terms up to 24 months (sometimes longer)
- Flexible drawdowns or interest-only periods available with some providers
- Minimum trading history often 6 months with consistent monthly sales (commonly £10,000+ per month, though this varies)
These facilities work well for inventory purchases, PPC campaigns, new product launches and general working capital. They are one of the most popular forms of Amazon FBA loans and Amazon FBA funding for sellers who need speed and higher leverage.
Amazon Seller Business Loan – Unsecured & Secured Options
Unsecured Amazon Seller Business Loan
If your Amazon business has been trading for two years or more, is profitable and the directors have a reasonable personal credit profile, an unsecured business loan can be a clean solution.
Typical features
- Amounts from £5,000 to £5 million
- Terms of 1–6 years (sometimes longer)
- Fixed monthly repayments
- Rates typically from around 5%+ p.a. (indicative and subject to underwriting)
- Personal guarantee usually required
This structure suits sellers who prefer predictable monthly costs and have strong financials.
Secured Amazon Seller Business Loan
Where directors or the company can offer property as security (residential, BTL or commercial), lenders may offer larger facilities or more competitive rates, and in some cases accept shorter trading histories.
Important: Your property may be at risk if repayments are not maintained. We only recommend secured options where the equity position and overall affordability are comfortable.
Typical Features:
- Terms 1 – 6 Years
- Fixed Monthly Repayment
- Rates: 5%+ P.A.
- Amounts from £5000 to £5 million
Apply for a Secured Loan today
Amazon FBA Funding via Merchant Cash Advance
A Merchant Cash Advance (MCA) is often accessible with as little as 4–6 months of trading. Funding is typically calculated as a multiple of average monthly Amazon sales (commonly up to 150–200% in suitable cases).
Key characteristics
- No fixed monthly repayment – you repay a fixed percentage of future Amazon receipts
- Higher acceptance rates than traditional unsecured loans
- Bad credit or limited credit history can still be considered by specialist providers
- Home ownership is not usually required
MCAs are particularly useful for sellers with strong sales but thinner traditional credit files or those who prefer repayments that flex with revenue.
Features:
- No fixed payments
- Repay percentage of future Amazon payments (10-20%)
- Bad credit considered
- Home owner not required
Apply for a Merchant Cash Advance today
Stock & Trade Finance for Amazon Sellers
Specialist stock and trade finance providers will often pay your suppliers directly and allow you to spread the cost over 3, 6, 9 or 12 months (or offer a revolving facility). This can be a cost-effective way to fund larger inventory orders without taking a full working-capital facility.
Amazon Factoring & Invoice Finance
If you sell via Amazon Vendor (or have other B2B customers), invoice finance can release up to 90% of the value of unpaid invoices. Facilities can be set up even where Amazon represents a high percentage of the debtor book, although the number of willing lenders narrows when Amazon is the dominant or sole debtor.
This remains one of the most effective cash-flow tools for Amazon Vendors facing 30–90 day payment terms.
Amazon Vendor
If you are selling products wholesale directly to Amazon via their vendor program, there are various finance options open to you.
Especially given that for any goods delivered to Amazon, you may not get paid for 30-90 days. This can be difficult on cashflow and restrict your businesses growth.
If you are owed large amount of money in unpaid invoices from Amazon vendor, then an invoice finance facility such as factoring or discounting could be the solution.
Apply for a Amazon Invoice Finance
FAQ: Amazon Seller Loans & FBA Funding
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What is an Amazon Seller Loan?
An Amazon Seller Loan is any business funding facility used by Amazon FBA or Vendor sellers – typically for inventory, advertising, new product development or general working capital. It can take the form of a specialist working-capital facility, unsecured or secured term loan, merchant cash advance or invoice finance.
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What is the difference between Amazon Lending and other Amazon Seller Loans?
Amazon Lending is an invite-only programme delivered through partners such as TradeBridge and YouLend. Other Amazon Seller Loans and Amazon FBA funding options are available from specialist and mainstream lenders without an invitation and can offer different structures, larger facilities or more flexible credit criteria.
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Can I get business funding as an Amazon Vendor?
If you are selling products whole via Amazon Vendor, then you could look at a Business Loan or Invoice Finance. A business loan will give you a one off lump sum, repayable over 1-6 years and usually requires over 1 year trading. An invoice finance facility will give you access to up to 90% of your outstanding Amazon vendor invoices on an ongoing basis, no minimum trading required.
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Can Amazon Vendors use Invoice Factoring?
Yes there are lenders that will offer an invoice factoring facility for Amazon Vendor invoices. If Amazon represents more than 50% of your debtor book, then there are only a small number of lenders that may assist. Typically you can release up to maximum 90% of outstanding invoices but it could be lower depending on your agreed terms of payment with Amazon.
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Can I get an Amazon Seller Loan UK with bad credit?
Yes, in many cases. Merchant cash advances and certain specialist working-capital providers are more flexible on personal credit history provided the Amazon sales performance is strong. Secured facilities can also open options where unsecured routes are limited.
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How much can I borrow with Amazon FBA loans or funding?
This depends on the product. Specialist facilities and MCAs are often linked to monthly sales volume. Unsecured and secured loans are assessed on overall affordability and security. Typical ranges we see start from £5,000–£10,000 and go up to £5 million (and higher in suitable cases).
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Do I need to be a limited company?
Most of the facilities we arrange are for UK limited companies. Some providers will consider sole traders or partnerships, but the strongest range of options sits with limited companies.
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How quickly can funds be available?
Specialist Amazon facilities and MCAs can often complete in a matter of days once full information is provided. Traditional term loans may take longer depending on the lender and whether security is involved.
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What can Amazon Seller Loans be used for?
Common uses include purchasing stock, funding Amazon PPC and advertising, launching new SKUs, covering cash-flow gaps caused by Amazon payment cycles, hiring, and general business growth.
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Is a personal guarantee required?
Often yes for unsecured facilities. Some revenue-based or MCA structures may have different requirements. We will always make this clear before you proceed.
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Can Amazon Vendors use the same facilities?
Yes. In addition to the options above, invoice finance is particularly relevant for Vendors because of the longer payment terms Amazon typically operates.
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Why choose Bolton Finance?
We are an independent commercial finance broker focused on practical, whole-of-market solutions for UK businesses. We are not tied to any single lender and will only recommend facilities that fit your specific situation.
Why Use an Independent Broker for Amazon Seller Loans?
Amazon Lending is excellent when you receive an invitation and the terms suit you. Many sellers, however, either do not receive an offer or want to compare alternatives. As a non-regulated commercial finance broker we:
- Access both specialist Amazon/e-commerce lenders and traditional funders
- Compare structures side-by-side (fixed term vs revenue-linked, secured vs unsecured, etc.)
- Focus on UK limited companies in the typical £250k–£10m turnover range
- Provide clear, practical advice without product bias
Summary – Business Loans & Funding for Amazon FBA Sellers
Whether you need a short-term Amazon FBA loan for a stock buy, a longer-term Amazon Seller Business Loan, flexible Amazon FBA funding via merchant cash advance, or invoice finance as a Vendor, there are multiple routes available in the UK market.
The right choice depends on your trading history, sales volume, credit profile, desire for fixed versus flexible repayments, and whether security is available.
Apply For An Amazon Seller Loan Today
Get in touch with our team for a confidential discussion of your requirements. We will review your figures, outline the realistic options and, if appropriate, approach suitable lenders on your behalf.
Call us or complete the enquiry form and one of our commercial finance specialists will respond promptly.
Bolton Finance – Independent commercial finance broker specialising in business loans, invoice finance, asset finance, merchant cash advances, trade finance, commercial mortgages, unregulated bridging and non-regulated buy-to-let for UK companies.