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6 Places to Get an Amazon Business Loan to Fund Your Dream Business

In this post, we discuss different ways how to get funds for your Amazon business so you can finally start selling in 2023! 

What Do You Need to Start an Amazon Business?

In order to get your business up and running, you’ll need the following:

  • A computer or laptop
  • An internet connection
  • A bank account
  • A debit or credit card
  • Amazon Seller Central account
  • Excel sheet for costing and notes
  • Funds!

Once you have all of the above, you can start setting up your business.

Don’t forget to do your research to figure out what products to sell that are within your budget and aligned with your goals.

Amazon is a competitive market. Do your diligence in proper product research and calculate everything to make sure you’ll be profitable.

To start Amazon Business, you’ll need $39.99 to purchase a Professional Amazon Seller account.

If you have an Individual selling plan, the fee structure is different. Amazon charges $0.99 per sale, but you don’t pay anything per month.

Basic costs involved to get started include the following:

  • Product Inventory Cost
  • Shipping cost 
  • UPC Codes
  • Amazon Referral Fees
  • Storage Fees
  • FBA Fees
  • Advertising Costs

To learn about these costs, read more here.

How to get funding for your dream amazon business

To be able to start your own Amazon business you need funds. The amount may vary depending on your needs and situation.

There are a few different ways that you can get funding for your Amazon business. You can use your own money, borrow money from family or friends, or take out a loan from a bank or other financial institution.

So how can you successfully fund your dream amazon business if you don’t have enough financial resources to start your Amazon venture? Here are some resources:

If you’re looking for funding for your dream Amazon business, the Small Business Administration (SBA) may be able to help.  Established in 1953,  The Small Business Administration is a government agency created to help small businesses and entrepreneurs thrive in the US. 

The SBA can fund almost any project you have in mind, but it's important to know what kind of help they can provide before you apply. These are the services they offer to small businesses:

  • Free business counseling
  • Access to capital through SBA loans. 
  • Home & business disaster loans
  • Federal government contracting

Generally, they have 3 different loans offered for borrowers:

  • 7(a) loans- The most common SBA loan program with a maximum loan amount of $5 million. 
  • 504 loans- The SBA 504 Loan Program provides financing up to $5 million for purchasing or leasing equipment that will be used exclusively in small business operations. 
  • Microloans-  The SBA Microloans  Program provides loans for a maximum of $50, 000 or less offer for building or expanding a business. 

To be qualified you must:

  • Be a for-profit business
  • Do business in the U.S.
  • Have invested equity
  • Exhaust financing options

Note that SBA does not make direct loans but partners with lenders instead who will approve and help you manage your loan once you apply. However, they can make a direct loan for business owners who are recovering from a disaster.  

Amazon Lending is an alternative way to get funding for your dream amazon business. It is designed to help eligible sellers get the capital they need from $1,000 to $750,000  to start up and grow their online businesses.

Started in 2011, it is designed to provide short-term solutions loan assistance for registered Amazon seller who struggles to get bank loans. The term Loan Length: 3 or 12 months with fixed monthly payments

Amazon Lending offers fast approval & flexible financing options :

  • Term Loan- A non-revolving, lump-sum funding with a specified payback period. Equal monthly principal and interest repayment amount is required.
  • Interest Only (IO) Loan– Non-revolving sum of funding that provides sellers the flexibility to repay on interest amount for fixed period of time before repayment on the principal amount (amount of the loan itself). After the interest-only period expires, equal monthly principal (amortized) and interest repayment is required.

Business Line of Credit (LoC)– A flexible financing option that provides sellers with access to funding up to an assigned credit limit. Sellers may request funds as needed (subject to credit approval), enabling them to build inventory, fund operations, and quickly take advantage of business opportunities.

To be eligible you must be:

  • Amazon’s selling history of at least 12 months
  • Have a total sales of at least $10,000 in the past 12 months
  • Customer satisfaction metrics
  • Customer satisfaction metrics
  • No serious customer complaints in the past six months
  • No outstanding copyright or trademark infringement complaints
  • Compliance with Amazon listing style guidelines
  • No Amazon previous lending in the past 33 days

Currently, Amazon lending is an invite-only process. It means you can only apply if you are eligible and received an invitation from Amazon. Regarding interest rates, Amazon does not disclose this information for leading their loan products.

3. AccrueMe

AccrueMe’s profit share is 1-25% of the monthly Amazon Net Profit. There are no required monthly payments or interest. Instead, AccrueMe retains its right to some percentage of your Amazon business until you repay the entire amount with equity. 

To be eligible, sellers must have been selling on Amazon and earning profit. If you’re not making a profit, AccrueMe will not approve you as their partner. 

Aside from capital investment, AcrrueMe also offers business tools and advice to help you grow your business. After all, they won’t be making money if you’re not earning with your FBA business. 

You can sign in on their website to check how much funding you qualify for.

1. Perpetua Labs

In addition to being a helpful tool as a PPC software automation that improves the performance of their Amazon ads using really good AI-powered automation, Perpetua labs offer growth capital to Amazon sellers at a preferred rate in association with Yardline Capital. 

They offer 5 Capital Term Options:


Capital Term

Pre-qualified capital amount

Payback amount

1 month



3 months



6 months



9 months



12 months



To access their funding solution, you need to sign up for a Perpetua account. 

Perpetua has a simple pricing plan. They have Starter, Growth, and Pro plans available. The starter price is $250/month, the Growth plan is 500/month and for the Pro Plan, it’s $500/month + % of ad spend.

5. Credit Cards

Using a credit card in your Amazon business can provide an affordable short-term funding solution giving you the cash you need to invest in new products, hire a VA  or expand your operations.

When you register on Amazon as a seller, you’ll be required to enter an internationally chargeable credit card with a valid billing address located in an eligible country:

Accepted credit cards on Amazon are

  • American Express
  • Diners Club
  • Discover
  • JCB
  • MasterCard
  • Visa

When you buy inventory on Alibaba, there are many payment options available including credit cards. However there is a maximum transaction amount of US$50,000  and in addition to that, credit cards company will charge higher transaction fees. 

Credit cards are a popular option because they’re convenient and allow you to make purchases without having to carry cash. They also offer some protection if something goes wrong with your purchase.

Kabbage Funding offers small businesses $1,000 and $150,000.  Instead of an APR, Kabbage uses a flat fee of 1.5–10% of the loan amount and Eligible customers may have the option to choose between a 6, 12, and 18-month loan term.

Payments are automatically deducted from your bank account each month, in equal increments plus the flat monthly fee.

To be eligible, Kabbage requires a minimum credit score of 640, at least one year in business, and monthly revenue of at least $3,000.

You also need to have a business checking account or online payment platforms such as PayPal or QuickBooks.

The company was acquired by American Express in 2020. 


The cost of starting an Amazon business can vary depending on a number of factors, including the type of business you want to create, the products you plan to sell, and your shipping and fulfillment strategies.

The costs can be a hindrance to some who want to start an Amazon business, especially if you’re not sure how to get funding. Don’t let financial constraints keep you from starting your dream business.

With a well-funded Amazon business, you can be on your way to financial independence and success!


We hope you found this How to get funding for your dream amazon business article insightful. 

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