Best Funding for Amazon Sellers in 2025 (Ranked)
- AccrueMe Team
- Jun 1
- 4 min read
If you're looking for the best funding for Amazon sellers in 2025, the landscape has changed significantly over the last 5 years. In March 2024, Amazon Lending stopped issuing loans directly to sellers and shifted to third-party partners. These new partners typically offer smaller loans, impose more restrictions, and charge higher fees than Amazon did.
Whether you're selling $500K or $20M+ per year, this guide breaks down the top funding options—and reveals why AccrueMe Private Capital stands out as the best funding for Amazon sellers in 2025.
Amazon Lending: Phased Out and Replaced
Amazon Lending once offered fixed-term loans directly to sellers, with low rates and predictable terms. But in 2024, Amazon exited the lending business due to low profitability and rising default rates. Now, the "Amazon Lending" name refers to a collection of third-party lenders using Amazon's branding. These partners:
Offer smaller capital amounts
Require more documentation
Often charge higher fees
This shift has left Amazon sellers searching for reliable, flexible capital—and opened the door to better solutions.
1. Revenue-Based Loans & Fixed-Fee Advances
Also known as: Merchant cash advances, fixed-fee revenue loans,
These are among the most commonly offered products in the Amazon seller funding space. On the surface, they appear simple: borrow $100,000, repay $108,000. Many sellers think they’re paying an 8% fee.
But that’s not how the math works.
Because repayments are taken daily or weekly—and the balance is paid down rapidly—your effective APR often ranges from 50% to over 100%. These loans typically require repayment of 10–40% of your revenue, which:
Drains cash from the business
Limits your ability to reinvest in inventory
Creates financial stress in slower months
This funding model remains popular because from a seller's perspective it looks easy, but it’s often the most expensive and least sustainable option on the market.
2. Traditional Term Loans
These are what most sellers imagine when they think about a business loan—monthly payments over 6 to 24 months, with a clearly defined APR.
Typical terms:
12%–22% APR
Requires tax returns, financial statements, and credit checks
Offered by firms like Lendistry —but only on select deals and in smaller amounts than available through other financing types
Unfortunately, these loans are no longer common. Most providers now default to revenue-based loan offers unless the borrower qualifies for a $1M+ in funding.
While the APRs are lower than fixed-fee loans, the capital amounts are usually smaller, and qualification is stricter.
Contrary to popular belief, Private credit funds and commercial banks DO offer credit lines to Amazon sellers. The catch is they are really only available to those doing $5M+ in annual sales.
Key facts:
Rates start around prime + 3–5%, but actual cost of capital often exceeds 18% after additional fees and compliance costs
Approval takes 2–6 months and involves deep financial reviews, personal guarantees, and regular inventory audits
Ongoing compliance is burdensome: borrowing base reports, regular financials, and inventory tracking/3rd party audits
While this funding can be cost-effective, it comes with serious time and documentation requirements that slow down growth and drain internal resources.
4. AccrueMe Standard Capital
For sellers doing $500K–$3M in annual sales, AccrueMe Standard is the best funding option for Amazon sellers in 2025—hands down.
Why it’s better:
No monthly payments for up to 3 years
No interest charges
No personal guarantees
No credit checks or tax returns
Underwriting completed in days using Amazon API data
Typical terms:
Capital amounts: $50K–$1M
Performance-based cost (rates start around 2.5% per month)
Fully transparent terms with no hidden fees
This structure makes AccrueMe Standard the most cash-efficient solution for small to mid-sized sellers looking to reinvest every dollar into growth.
For high-performing sellers doing $3M to $20M+ in annual Amazon revenue, AccrueMe Private Capital is the most powerful and flexible funding option available today.
Why it’s the best funding for Amazon sellers in 2025:
Investment sizes from $250K to $5M
Repay nothing for up to 3 years
No interest, no personal guarantees, and no hidden fees
Rates as low as 1.25% per month
Fast underwriting using your Amazon account data
Ongoing compliance is automated—no borrowing base reports or audits
This is private capital structured specifically for Amazon sellers, providing bank-level terms with zero bank-level hassle.
Other Diminishing or Outdated Funding for Amazon Sellers
Factoring / Advance Pay: These short-term financing tools have largely been replaced by Amazon's own Rapid Payout system or similar fintech solutions. They're rarely worth the cost anymore.
SBA Loans: SBA Loans for Amazon Sellers are still available, but only viable for sellers with significant collateral, strong credit, and a willingness to endure a 30–90 day process. Current 7(a) rates range from 9.75%–12.25%, but with prime rates over 8%, many sellers are walking away from these deals.
Final Word: What’s the Best Funding for Amazon Sellers in 2025?
If you’re searching for the best funding for Amazon sellers in 2025, the clear winner is AccrueMe.
Annual Sales | Best Option | Why It Wins |
$500K–$3M | AccrueMe Standard | No payments, faster funding, more cash availability |
$3M–$20M+ | AccrueMe Private Capital | Low cost, large capital, minimal compliance |
No other funding option gives Amazon sellers the flexibility, transparency, and scale of AccrueMe. Whether you’re launching new products, scaling into Q4, or expanding globally, AccrueMe gives you capital without the cash flow pressure of traditional loans.
Ready to see what you qualify for? Apply here in 3 minutes and get your custom offer.
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