top of page
  • Writer's pictureAccrueMe Team

Amazon Lending Boomed Post Pandemic But Tighter Lending Requirements Expected For 2023

Amazon Lending, a lending program for small businesses that sell products on the Amazon platform, has been steadily growing in popularity in recent years. According to a recent report by Business Insider, the program has continued to gain traction despite concerns about a potential economic recession.

Despite the uncertainties and fears surrounding a potential economic recession, the Amazon Lending program continues to grow in popularity. The Amazon Lending program, which provides short-term loans to small businesses selling products on the Amazon platform, has seen a 25% increase in the past year alone. This is a testament to the need for financing for Amazon Sellers.

One of the factors contributing to the success of Amazon Lending is the easy access to credit that it provides to small business owners. The program offers loans with fixed interest rates that can be used for a variety of purposes, such as purchasing inventory or investing in marketing campaigns. The quick turnaround time for loans and minimal paperwork required make it an attractive option for business owners who may not have the time or resources to navigate traditional lending channels.

Another factor contributing to the success of Amazon Lending is the trust that small business owners have in Amazon as a partner. Amazon already has access to sellers' sales data and customer feedback, which makes it easy for the company to determine a seller's creditworthiness.

While Amazon Lending has been a successful program, the company is becoming increasingly cautious about the potential risks of its lending activities. According to Business Insider, Amazon has been scrutinizing its loan portfolio and has become more cautious about extending credit to certain businesses. This increased scrutiny is a result of Amazon's growing concern about risky investments and the potential impact on its own financial health.

One of the risks associated with the Amazon Lending program is the possibility of borrowers defaulting on their payments. While the program has been successful overall, there is always the risk that some borrowers may not be able to repay their loans. This risk is heightened in uncertain economic times, such as those we are currently experiencing, and it is understandable that Amazon would be cautious about extending credit to businesses that may be at greater risk of default.

This increased caution may lead to Amazon being less consistent and predictable with it's loan offers. This is a concern to many Amazon Sellers that rely on refinancing offers from Amazon to refinance Amazon lending's high payment and short term loans.

In conclusion, it is important for small business owners to carefully consider the risks associated with taking on debt, particularly in uncertain economic times. Amazon's increasing caution about risky investments underscores the importance of doing due diligence and ensuring that any loans taken out through the program are within a business's means to repay and not reliant on refinancing offers.

About AccrueMe®

AccrueMe provides success-based financing for Amazon Sellers. With decades of experience in lending, AccrueMe's leaders have created a completely new way of providing capital, powered by a proprietary portal built around leading-edge eCommerce technology. With unprecedented line of sight into business data, AccrueMe’s portal simplifies financing for online retailers in a way that was never before possible: based entirely on sellers' success, and repaid when best for the seller, and not based upon a pre-determined schedule. Ecommerce retailers have built their businesses on the latest technology, we believe they deserve financing from a partner that's powered the same way. AccrueMe: cutting edge capital for eCommerce. Learn more at



bottom of page