This article applies to selling in: United States

Lending Referral Program

The Lending Referral Program is a program by Amazon Lending. Under this program, you may be extended offers to apply for loans provided by local Chinese lenders to grow your business on Amazon. While we strive to serve as many of our sellers as possible, this program is available only by invitation to selected sellers who meet the criteria determined by both Amazon and the lenders.

Frequently asked questions

Where can I find my offer if I am pre-qualified under the Lending Referral Program?

After you sign in to your Seller Central account, click this link to see if your business has received an invitation to apply for a loan from our third party lenders. This page is only available to sellers who meet the criteria determined by the lenders.

Is the Lending Referral Program available to all sellers?

This program is available only to sellers who meet the criteria determined by the lenders.

What is the criteria for this Program?

The criteria for this program vary among lenders. CN local Lenders will review Seller applications and make loan decisions.

I received an invitation in the past but do not have one at present. Why?

Your business’s sales and performance metrics may have changed or the criteria determined by the lenders may have changed. These criteria are subject to change at any time. We recommend you check again next week in case of any change.

With whom will my business have a loan agreement under the Seller Lending Program?

The loan agreement will be a bilateral agreement between your business and the lender offering the loan. Any loan agreement your business enters into is an independent arrangement between your business and the lender, and Amazon will not be a party to such agreement.

Will you be sharing my business’s data on Amazon with the Lenders? If so, what data?

Please refer to the data sharing FAQs for the Seller Lending Program.

Why do I have to provide additional information on the lender's web page?

Since the loan will be offered/extended to your business by the lender, the lender will need all the information to review your business’s application, approve, process and sanction the loan to your business.

Would lenders share my personal information used in the loan application process with Amazon?

Please refer to the data sharing FAQs for the Seller Lending Program.

Will my Amazon Seller account be blocked or suspended if I miss a loan payment?

If your business receives a loan from a third party lender, you will directly sign a loan agreement with the third party lender and your business will be subject to the terms of this loan agreement. Your participation in the Seller Lending Program and any loan repayment status will not affect your Amazon account selling status.

Can I apply to more than one offer?

You can apply for as many loans as you would like, but you can choose to accept only one through our Seller Central offerings. After confirming one loan to be funded, you will not be able to proceed with the other loan opportunities or with any outstanding applications made through our Seller Lending Program.

Can individual sellers also apply for loans under the Amazon Lending Referral program?

Yes, both individual and professional sellers can apply for loans under the Seller Lending Program. Ultimately, the lender makes the decision on loan underwriting and fund disbursements. For questions related to the underwriting or funding process, such as whether a personal guarantor is needed or which bank account to be funded, please reach out to your lender directly. The contact information for the lender is below

Who are the third party lenders I will be receiving offers from?

In the Amazon Seller Lending Program in China, there is currently three lenders - Shanghai Fuyou Commercial Factoring Co. Ltd, CreditEase and HSBC.

Whom should I contact if I have any questions about my loan or offer?

Please contact your lender directly.

Shanghai Fuyou Commercial Factoring Co. Ltd.

Phone: +86 95138 ext 4 (Monday - Friday, 9:30am – 12:00pm. 1:30pm-5:30pm, Beijing Standard Time)


WeChat public account: 富友供应链金融信息服务平台


Phone: +86 400-818-1868 (Monday to Sunday, Beijing time, 9:30 am to 6:30 pm)



Phone: 400 820 1177, press 1, then press # (Beijing time 9: 00-18: 00 Monday to Friday, 9: 00-16: 00 Saturday)


WeChat public account: 汇丰中国小企业

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