Capital for FBA and FBM Amazon sellers who need to bridge the 14-day payout cycle, fund inventory reorders, and scale ad spend ahead of Q4 and Prime Day — without giving up equity.
Amazon's marketplace represents the world's largest commerce platform, with over 60% of Amazon sales coming from independent third-party sellers — most of them small and medium businesses. The core financial challenge is structural: Amazon pays sellers every 14 days, but inventory must be purchased weeks or months in advance. For Prime Day and Q4 preparation, sellers need capital in March to buy inventory that won't be sold until July or November.
Amazon's own lending programs (via Parafin MCA, up to $2M same-day acceptance; Lendistry term loans $10K–$250K; QuickBooks Capital 9.99–36% APR) are invite-only and limited. For sellers who want more capital, faster, or on their own terms, third-party revenue-based financing (Wayflyer: $20K–$20M at 5–10% fixed fee; SellersFi: $25K–$10M at 9.99–24.99% APR) and working capital loans provide the flexibility Amazon Lending doesn't.
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Three editorial picks based on our 72-lender review of operators who actually fund this industry well. Each profile carries our full scoring methodology and comparison data.