Amazon stopped lending to sellers in 2024. What the Seller Central tile is now

Why sellers keep asking this question

The old Amazon loan was easy to understand. Amazon offered a sum, you clicked, and a fixed amount came out of your disbursement every month until it was paid. Sellers who had one remember it. When the tile reappeared with a new menu, a lot of people assumed Amazon had simply brought the product back through partners.

It did not. What is behind the tile now is a set of outside companies, each with its own product and its own way of writing the price. Some of those offers behave like the old loan. Some behave like a merchant cash advance. One is a route to an SBA loan. The tile looks the same on every account, and the money behind it does not, which is the whole reason to read this before you click.

1. What changed in March 2024

The change arrived by email. Sellers with an open loan got a notice, and one of them posted it in the Seller Central forum. It read, in part:

Press coverage at the time put the effective date at March 6, 2024, for the United States and the United Kingdom, citing an Amazon spokesperson. Existing loans ran to maturity. Amazon's program page today lists no product underwritten by Amazon, and Amazon has not announced any plan to resume.

Amazon's own answer today is short. The FAQ on its seller blog asks whether Amazon Lending is still available and answers: "Yes, although Amazon Lending has discontinued offering Amazon loans directly to sellers, the program now connects sellers with trusted third parties who have proven experience offering financial products." That sentence is the whole change. The brand stayed. The lender left.

2. What the tile is now, a doorway by invitation

Amazon Lending is now a referral program with Amazon's data attached. You cannot apply to it. You are invited, or you are not. Amazon's blog puts it this way: "If you meet the criteria for a third-party invitation, you'll automatically receive an invitation in your Seller Central account," and then, "Requirements are dynamic, and eligibility varies based on offer." When an invitation is there, the path runs through Amazon and out the other side. Amazon describes five steps on its program page.

Two things in that list matter more than the speed. First, the contract is with the provider, not with Amazon. Amazon makes the introduction and hands over your sales history; the terms, the servicing, and any lien belong to the company on the other side of the door. Second, the invitation is the gate. A seller with strong books and no invitation has nothing to click, and a seller with an invitation has not been approved for anything yet. The decision still comes from the provider after it reads your data.

3. Who is behind each door, from Amazon's page

As of November 4, 2026, Amazon's program page lists six providers. The table repeats what Amazon prints about each one, with the size and term where Amazon states them. We have no relationship with any of these companies, and nothing here is a recommendation of one over another. It is a reading of Amazon's page, dated.

Quoted lines are Amazon's, from sell.amazon.com, read November 4, 2026. Where the program page and Amazon's October 31, 2025 blog differ, both are shown. The list rotates: a provider named in earlier coverage is no longer on the page, and QuickBooks Capital was added in September 2025.

One more wrinkle on the same page. Amazon's own FAQ there says that for the US only "term loans and merchant cash advances are available to eligible, US-based businesses," while the menu above it also lists two lines of credit and an SBA route. The page is not perfectly tidy. Your offer will be, because it names one product from one provider, and that is the document to read.

4. How to read each offer before you click

Every offer in that table is one of three things, whatever heading it carries. We named the three plainly in our last guide, and the same test works here. A term loan charges interest on a shrinking balance, so paying early saves money. A line of credit charges interest only on what you draw, and comes back as you repay. A fixed-fee product, whether it is called an advance or a loan, sets the whole cost the day you sign, so paying early raises your effective annual rate and never lowers your cost.

Run that test down the table and it sorts itself. The Slope line and the SBA route are rates. The Uncapped line is a rate. The Parafin advance, the QuickBooks loan, and the Uncapped term loan are fixed fees, and Amazon's program page describes the Lendistry loan the same way. Three questions settle which column you are in, every time.

• Is the cost a fee or a rate? "Fixed capital fee," "fixed cost," and "percentage of the total loan amount" are all fees. "Interest on the drawn balance" and "prime rate plus" are rates.
• Does paying early save money? On a rate, yes. On a fixed fee, no. If the offer says "no prepayment penalty," ask whether prepaying reduces the total or only ends it sooner. Those are different answers.
• What is the payment tied to? An advance that takes "a portion of a seller's future sales" is tied to one channel, and a strong month pays it off faster, which on a fixed fee means a higher annual cost, not a lower one. A loan or a line is repaid from your bank account on a schedule.

When the offer is a fixed fee, turn it into a yearly figure before you compare it with anything else. Section 4 of our last guide shows both methods and names them; the honest one counts the balance falling as you remit, and it is higher than the number most comparison sites print. And whatever the structure, check that the payment fits what the business actually keeps. Our calculator does that arithmetic from seven numbers and keeps none of them.

5. When the tile is empty

Because the program is invitation only, an empty tile is not a rejection, only the absence of an offer from a system that Amazon says reviews accounts continuously and changes its requirements as it goes. Nothing you type into Seller Central will produce one, and Amazon does not publish the criteria beyond "multiple factors." What you can do is take the same question to a lender that reads a different file.

Outside the platform, a lender does not see your Amazon dashboard. It reads the last several months of your bank statements, and from them it reads your monthly deposits, how steady they are, how long the business has been taking money in, and what you already pay each month on other financing. Those four facts decide more than any marketplace metric. A seller whose deposits come from Amazon, Shopify, and wholesale together looks stronger on paper to a working capital lender than the Amazon slice alone looks to a platform provider, because the whole business is in the file.

The products on the other side are the same three columns. A working capital loan or a line of credit from a non-bank lender is faster than the SBA and priced across a wide range, and some products in that category are fixed fees in a loan's clothing, so the three questions above apply there too. An SBA 7(a) loan, directly or through the route on Amazon's own menu, is the cheapest money a seller can usually get and the slowest, and it wants filed tax returns. Our last guide puts those side by side. If you sell online and want to know where you stand, our page for online sellers explains what we look for; the floor is $10,000 a month in deposits, and the application is one form that reaches every funder in our network whose underwriting fits.

6. The honest counterweights

The tile can be the right door. The provider already has your sales data, the decision is usually a day, and Amazon says applying through the program does not touch your personal credit. For a small, short, one-time need with no file to show anyone, that is a real advantage, and it is the reason the program exists.

The menu is better than it was. The 2024 complaint was that the tile had become advances only. Today it also holds two lines of credit and an SBA route, which are priced as rates. A seller who reads the offer instead of the heading can find a loan-shaped product behind the same tile.

The old loan is not coming back on any schedule Amazon has shared. If your business ran on it, plan around a lender outside the platform rather than waiting for an email.

Amazon's pages disagree with themselves in places. The Lendistry row above is described one way on the program page and another on Amazon's blog, and the FAQ names two products while the menu lists four kinds. We have quoted both where they differ. The offer in your account is the only version that binds anyone.

A UCC-1 can be filed under any of these. A lender filing a lien on your business assets after funding is normal for a loan, a line, and an advance alike. The filing is public, and it is one reason a seller's phone starts ringing after any kind of financing; we explain that on our privacy and disclosures page.

Tax treatment is not settled here. How the fee on an advance is deducted is a question for your CPA on your own document. Our guide to business loan interest covers the loan side.

7. FAQ

Sources for this page (read November 4, 2026)