Working Capital for Amazon FBA & Marketplace Sellers

Yes, this is the most common reason marketplace sellers come to us. You pay suppliers for a purchase order weeks before any of it sells, and then Amazon doesn't disburse until well after the sale. Working capital advances you the cash now so you can place the next inventory buy and keep your listings in stock, instead of waiting on a payout that's still tied up in Amazon's cycle.

It doesn't disqualify you. Marketplace revenue arrives in lumps, not as steady daily deposits. Amazon disburses on a roughly 14-day cycle, an order's funds aren't even eligible until 7 calendar days after the confirmed delivery date under the Delivery Date Based Reserve that's standardizing for North American sellers in March 2026, and an ACH transfer adds several more business days on top. We look at your overall sales and settlement history rather than expecting an even amount every single month.

No. This is the key difference between us and the Amazon-specific products you've probably been pitched. We are flexible business funding that you control, not a payout advance, not a financier that takes a lien on your stock, and not a service that plugs into and sweeps your Seller Central account. The capital goes to your business and you deploy it as you see fit, on inventory, ads, payroll, or the next reorder. How you manage your Amazon account and your payouts stays entirely with you.

Yes, and that's the exact trap this funding is built for. You can be solidly profitable on paper while being cash-starved, because so much of your capital is locked up at any moment in in-transit inventory, FBA stock, and the reserve Amazon holds back against returns and claims. Working capital frees you from waiting on that locked-up cash, so a healthy, growing store doesn't keep stalling on liquidity and timing.

Yes. Scaling into a peak season multiplies the timing problem, because the inventory buy lands months before the revenue surge from Prime Day or the Q4 holidays. Funding lets you place that large seasonal order ahead of time so you're in stock when demand hits, instead of being capped by what this period's settlement happens to cover.

Yes. The common import structure is a 30% deposit to start production and the 70% balance before shipment, which means you fund the entire purchase order across weeks of production plus ocean freight, long before a single unit sells. Working capital covers that up-front outlay so a reorder isn't gated by whether your last batch has settled yet.

It often does. Because Amazon caps how much inventory you can send in and surcharges overstock, you can't simply hold one big buffer, you're pushed into frequent, precisely-timed reorders. A business line of credit maps to that rhythm: draw to place a purchase order ahead of a payout, repay when Amazon settles, then draw again for the next wave, and you only pay interest on what you actually use. We'll match you to whichever fits your buying pattern.

Approval typically comes within 4 to 8 hours, with funds following shortly after. That speed is the main reason sellers choose us over a bank or an SBA loan, where the same request can take 30 to 90 days, long after a supplier's production slot or a seasonal buy window has closed.

You can use the funds however your business needs. Inventory is the most common use, but pay-per-click advertising and Amazon's stacked fees, referral, fulfillment, and storage, are netted straight out of every disbursement, so they pressure your cash just as much as restocking does. The capital goes to your business and you decide how to deploy it.

We work with marketplace sellers whose revenue arrives as Amazon disbursements rather than direct merchant-account deposits. The best way to know whether your specific setup qualifies is to apply, it takes a few minutes, uses only a soft credit pull that won't affect your score, and there's no obligation. We'll review your sales and settlement history and tell you what you qualify for.

Funding generally ranges from $10,000 to $500,000. The amount you qualify for depends mostly on your monthly sales and how long you've been selling, not on a single credit score.

All credit profiles are considered. Most sellers we fund have been operating for at least 6 months and generate $10,000 or more in monthly revenue. Your sales history and day-to-day performance matter more than a perfect credit score.