Slope launched a reusable line of credit for eligible U.S. Amazon sellers on December 16, 2025, allowing them to apply for financing and access funds through Amazon’s Seller Central dashboard. The partnership adds a working-capital option within the platform sellers use to manage their businesses.
The program is supported by a JPMorgan Chase credit facility. Lead Bank, Member FDIC, originates the business-purpose loans, while Slope provides the artificial intelligence underwriting technology. Slope has not disclosed the financial terms of its agreement with Amazon.
Credit terms and underwriting
Slope says sellers with the strongest profiles can qualify for credit lines of up to $5 million, with rates as low as 8.99% annual percentage rate for top sellers. Repayment terms can extend to 12 months for each draw. Rates, credit limits and available terms depend on the borrower’s eligibility and credit approval.
Eligible sellers receive an invitation in the Amazon Lending section of Seller Central. Applicants confirm their Amazon data and link a business bank account, giving Slope access to sales performance and cash-flow information for its underwriting. Slope says many sellers receive a decision within minutes.
Approved sellers can draw funds as needed and select a repayment term for each draw. Payments are collected automatically from the linked business account, and available credit replenishes as the seller repays.
Slope says applying does not affect a seller’s personal credit score, although an application and consent to obtain a personal credit report are required. The program also has minimum revenue and business requirements; not all applicants qualify for the lowest rates, largest amounts or longest terms.
Amazon’s shift to financing partners
Amazon Lending connects eligible U.S. businesses with third-party financing providers. In March 2024, Amazon spokesperson Deniz Sonmez said the company would begin discontinuing term loans underwritten by Amazon for sellers in the U.S. and U.K. on March 6, while continuing to offer financing through outside providers.
Independent sellers account for more than 60% of sales in Amazon’s store, Amazon says. Slope co-founder Alice Deng said the new product targets more mature sellers with larger financing needs.
Deng and co-founder and CEO Lawrence Lin Murata said applications grew 300% week over week during a trial of the Amazon integration that had been running for a few weeks. That growth figure has not been independently verified.
