What would you consider a “bad” experience?
Amazon Lending does what they say they’ll do. It’s a loan that’s repaid out of your sales. Every month I’m offered one at 16% interest. I laugh and move on.
In my opinion, an Amazon loan can be good for a merchant who can move merchandise quickly once he gets hold of it. Get in, sell a bunch, get out, repay your loan, assess your profit. For some people, this may be worth doing only during fourth quarter.