Amazon Discontinues Direct Lending, Will Still Offer 3rd Party Financing Options

Liz Morton
Liz Morton


Amazon is reportedly discontinuing their direct, Amazon underwritten loan offerings effective immediately but will still offer financing options through third party partners.

Existing loans are not affected, but once they mature, new loans will not be underwritten by Amazon, according to emails being received by sellers with current loans through the program.

Our mission at Amazon Lending is to enable you to access working capital to achieve your business goals. Today, we do that by offering loans from both Amazon and from third-party finance providers.

We regularly review our programs and services and with a growing number of third-party finance providers, we have made the decision to focus on third-party lending products and discontinue term loans underwritten by Amazon. This decision does not affect your current loan. Once your loan matures, new loans underwritten by Amazon will no longer be offered.

Amazon Lending will continue to offer term loans, merchant cash advances, and lines of credit by invitation through trusted third-party providers. As invitations become available, they will be surfaced in Seller Central, and you can learn more about our products and providers here.

For additional financing options outside of Amazon, visit the US Small Business Administration's (SBA) grow your business page.

If you have any questions, or require additional support with payments for your existing loan, please email us at

We've reached out to Amazon for comment and additional information.

Stay tuned for updates in this developing story and let us know in the comments below how this change to Amazon Lending will impact your ecommerce business!

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Liz Morton is a seasoned ecommerce pro with 17 years of online marketplace sales experience, providing commentary, analysis & news about eBay, Etsy, Amazon, Shopify & more at Value Added Resource!

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