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Amazon seller finance: funding stock and advertising against your marketplace sales
Finance for UK Amazon and marketplace sellers: revenue-based funding, lines of credit and stock finance assessed on your sales data. Who qualifies and how.
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“Fantastic service, and I would definitely use them again.”
- Amount
- From a few thousand poundsInto seven figures for established sellers
- Typical uses
- Stock, advertising and launchesImports and seasonal peaks too
- What lenders review
- Marketplace sales dataMargins, stock turn and account health
- Common structures
- Fixed-term, revenue-based, credit linesCompared across e-commerce lenders
In short
Amazon seller finance is funding assessed on your marketplace sales data rather than on property or filed accounts.
Specialist e-commerce lenders on our panel connect to your seller account and bank, and can fund stock and advertising with fixed-term advances, revenue-based repayments or a line of credit. One lender on our panel funds Amazon sellers from six months' trading and around $10,000 a month in revenue, without a personal guarantee. Others need more trading history or higher monthly sales.
- Stock
- Seasonal peaks
- Advertising
- New products
- Imports
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About Amazon seller finance
Selling on Amazon creates a particular kind of cash gap.
Stock has to be bought, shipped and often sitting in a fulfilment centre weeks before it sells, advertising has to be paid for every day, and the money from sales arrives on the marketplace's schedule rather than yours. A high street bank looking for property security and two years of accounts rarely sees that as a lendable business. Specialist e-commerce lenders do, because they read your sales data directly.
Smart Funding Solutions is a broker. We search the market for lenders that fund marketplace sellers, compare their structures and costs, and present your case to the ones that fit. For online businesses selling across their own website and several channels, see our wider guide to e-commerce business loans.
Funding needs
What Amazon sellers use finance for
Stock
placing bigger orders with suppliers to secure better unit prices or avoid running out.Seasonal peaks
building inventory ahead of the busiest trading months.Advertising
funding sponsored product campaigns that pay back over the following weeks.New products
launching a new line, including samples, photography and listings.Imports
paying overseas suppliers before goods are shipped.New marketplaces
expanding into other marketplaces or your own website.
Quick enquiry
Prefer a quick call back?
Not ready for the full application? Leave a few details and a broker will call you to talk it through. It is free, with no obligation.
- One short conversation, no paperwork yet
- Whole-of-market search across 300+ lenders
- Or call us on 01244 267694
A transaction we arranged
£250,000
£250,000 to build stock ahead of peak demand.
An online homeware business needed to buy seasonal stock before the sales arrived. We arranged a £250,000 facility.
Read the transaction- Sector
- Homeware ecommerce business
- Structure
- Ecommerce line of credit
- Outcome
- Completed
Types of Amazon seller finance
-
Fixed-term growth funding
A lump sum repaid over a set number of months, usually for a specific stock order or growth plan. E-commerce lenders on our panel offer these over terms of a few months to around 18 months.
-
Revenue-based finance
An advance repaid as a share of future sales, so repayments fall in a quiet month and rise in a busy one. There is usually a fixed fee rather than interest, so compare the total repayable. See revenue-based finance for how it works.
-
Line of credit
A limit you draw on for each stock order and repay as sales come in, paying only for what you use. Lines of credit for online sellers tend to need higher, steadier monthly revenue.
-
Stock and trade finance
Funding that pays your supplier directly, repaid once the goods are sold. It suits sellers who import in bulk. Our guide to stock finance explains the options.
The operating cycle
Where finance fits into your Amazon seller business
Cash leaves the business at every stage before it comes back. Each stage below is a point where the right facility can carry the gap.
- 01
Source
Stock ordered and paid for, often months ahead.
Stock finance → - 02
Import
Overseas suppliers paid before goods ship.
Trade finance → - 03
Ship in
Stock sent into fulfilment before it can sell.
- 04
Advertise
Sponsored listings paid for every day.
Revenue-based finance → - 05
Payouts
Sales money released on the marketplace schedule.
- 06
Tax
VAT on growing sales falls due each quarter.
VAT loans → - 07
Grow
New products, new marketplaces or your own site.
E-commerce loans →
Funding needs
Funding options for Amazon seller businesses
Choose the need, and we’ll show you how lenders usually structure it.
Relying on one marketplace
Lenders know a seller's income depends on its account staying in good standing. A suspension, a change in fees or a listing problem can stop sales overnight. Expect lenders to look at your account health, and expect better options if you also sell through other marketplaces or your own website. Some lenders collect repayments as a share of your sales and others by fixed instalments, so read how repayments are collected before you sign.
Underwriting
What lenders look at
01
Monthly sales over the last six to 12 months, and the trend.
02
Gross margin after marketplace fees, fulfilment and advertising.
03
Stock turnover and how quickly new stock sells through.
04
Account health, returns and any history of suspension.
05
Business bank statements and existing funding, including any advances already running.
Checklist
Documents and connections to have ready
- Access to your seller account through the lender's secure connection.
- Business bank statements, or an open banking connection.
- Your latest accounts or management figures, if you have them.
- Details of the stock order or campaign the money is for.
- Company and director details for identity and credit checks.
Who qualifies
E-commerce lenders assess your sales performance more than your filed accounts. Terms from lenders on our panel include:
| Lender profile | Trading | Revenue | Points to know |
|---|---|---|---|
| Amazon seller specialist | Six months | Around $10,000 a month for its Amazon product | No personal guarantee or equity taken; other products need higher revenue |
| Revenue-based lender | 12 months | £25,000 a month | No personal guarantee; excludes some sectors such as construction and restaurants |
| Flexible business funder | Three months | A minimum level of monthly card sales | Personal guarantee required; amounts from £3,000 |
Lenders on our panel such as Uncapped work only with e-commerce businesses. Every lender sets its own criteria and makes its own decision.
The broker’s view
How we help Amazon sellers
Tell us your monthly sales, how long you have been trading and what the money is for. We approach e-commerce lenders on our panel whose trading and revenue rules you meet, compare the structures and total costs, and explain how each one collects repayments. Many sellers have to be VAT registered once their turnover passes the VAT registration threshold, and a growing seller's VAT bill can be funded too through VAT loans.
Lenders make every credit decision. It is free to enquire; any broker fee is disclosed separately before you proceed. Start with our Instant Quotes tool to compare lenders in minutes.
FAQs
Questions clients ask
Can I get finance as an Amazon seller with no filed accounts?
Possibly. E-commerce lenders assess your sales data through a connection to your seller account and bank, so filed accounts matter less. One lender on our panel funds Amazon sellers from six months of trading, but most lenders want to see a steady sales history.
Do Amazon seller loans need a personal guarantee?
It depends on the lender. Some e-commerce lenders on our panel do not take a personal guarantee or any equity, while others require one. We show you which is which before you apply.
How much can an Amazon seller borrow?
It is driven by your monthly sales and margins. E-commerce lenders on our panel fund from a few thousand pounds for smaller sellers into seven figures for established ones, with the larger facilities needing much higher monthly revenue.
Is revenue-based finance more expensive than a loan?
It can be. Revenue-based finance usually charges a fixed fee rather than interest, and repaying quickly from strong sales can make the effective cost high. Its advantage is flexibility in a slow month. Compare the total amount repayable across options.
Can I use the funding to buy stock from overseas?
Yes. Most marketplace sellers use funding for stock, including imports. Where you need the supplier paid before shipping, trade finance can pay them directly and be repaid once the goods sell.
Lender reviews
Lenders we compare for Amazon seller finance
Independent write-ups of lenders on our panel that offer this type of finance. Smart Funding Solutions is a broker and is not part of any lender listed. See all lender reviews.
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