This article applies to selling in: United States

Lending Referral Program

The Lending Referral Program is a new 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 you have received an offer from our lending partners. This page is only available to pre-qualified sellers.

Is the Lending Referral Program available to all sellers?

This program is available only by invitation for selected sellers who meet certain pre-qualification criteria.

What is the pre-qualification criteria for this Program?

The pre-qualification criteria for this program varies among lenders and is not publicly available. It includes many factors that are subject to change at any time. All sellers are measured against the same set of criteria.

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

Your sales and performance metrics may have changed or the pre-qualification criteria may have changed. The qualifying criteria is subject to change at any time. We recommend you check again next week in case of any change.

With whom will I have a loan agreement under the Lending Referral Program?

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

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

None of your personalized sales data will be shared with the lenders without your consent. When you apply for a loan on the offer you received, you will be asked in Seller Central whether you agree to share your data with the lender you are applying for the offer from.

If you do not want to share your data, you may click ‘Cancel’, which will terminate your application and no data will be shared. If you agree to share your data and apply for the loan, your sales, product, and other seller performance data on file with Amazon will be shared with the lender. Examples of data points that will be shared with the lender upon application include sales rates and growth, return rate, negative feedback rate, average FBA inventory value, and tenure on Amazon.

Note that the data we share is on an aggregated account level only. No data on the ASIN or order level will be shared with an external party under this program.

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

Since the loan will be offered/extended to you by the lender, the lender will need all the information to review, approve, process and sanction the loan to you.

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

Amazon does not ask lenders for your personal information, including your personal identity information, biggest shareholder, or loan guarantor nor does Amazon ask for your contact information such as phone number, email, and address. The lenders, however, will share specific information about your loan with Amazon, such as the outstanding principal balance amount, the next payment schedule, and the repayment status. We ask for this information so that we know when your loan is paid off and we can start showing you new offers.

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

No, your participation in the Lending Referral Program and any loan repayment status will not impact your selling status on Amazon.

Can I apply to more than one offer?

You can apply for as many loans as you would like, but you can only 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 offers or with any outstanding applications made through our Lending Referral 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 Lending Referral 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 Lending Referral program, there is currently one lender - Shanghai Fuyou Commercial Factoring Co. Ltd.

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)


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