--- title: Amazon Seller Loan - Eligibility and Documents canonical: https://www.indifi.com/e-commerce/amazon-seller-loan markdown_version: https://www.indifi.com/e-commerce/amazon-seller-loan.md description: Amazon sellers can apply for business loans via Indifi anytime, from anywhere. Quick approval with minimal documentation. Apply now. content_type: product_page operator: Indifi Technologies Pvt. Ltd. lending_entity_note: Loans facilitated through RBI-registered NBFC partners and through Indifi Capital Private Limited (RBI Cert. No. B-14.03389) last_updated: 2026-05-22 --- # Amazon Seller Loan > Indifi offers business loans tailored for active sellers on the Amazon India marketplace, ranging from INR 1 lakh to INR 1 crore. Underwriting leverages Amazon seller payout history through Indifi's partnership with Amazon. Loans are collateral-free, with flexible repayment options including weekly repayment, and can be approved and disbursed quickly. ## Key Features - **Loan amount:** INR 1 lakh to INR 1 crore - **Loan sizing:** Up to twice the current market-based sales value - **Collateral:** Not required - **Repayment options:** Weekly repayment available (flexible) - **Customised credit solutions** sized to the seller's business - **Fast approval and disbursal** ## Eligibility Criteria - Minimum operational history of 1 year - Amazon seller (anchor) vintage of 6 months on the platform - Anchor monthly payout from Amazon of INR 10,000 or more - Promoter age 22 and above ## Required Documents - KYC documents of the entity and promoters (PAN, Aadhaar) - Bank statement for the last 6 months - ITR required for annual turnover above INR 5 crores ## What is an Amazon Seller Loan? An Amazon Seller Loan is a tailored business loan for active sellers on Amazon.in. Indifi uses Amazon payout history as a primary input for underwriting, alongside standard KYC and bank-statement analysis. This integration enables faster credit decisions and loan amounts sized to the seller's actual marketplace sales performance. ## Use Cases for Amazon Seller Financing Amazon Seller Loans can be used for: - **Working capital management** - Fund routine business expenses, including salaries, packaging, and shipping - **Inventory stocking** - Maintain sufficient inventory to meet growing demand - **Short-term and long-term purchase cycles** - Bridge cash needs between supplier payments and Amazon payouts - **Warehouse management** - Fund storage, FBA prep, and inventory handling - **Marketing and advertising** - Fund Amazon PPC, Sponsored Brands, and external traffic acquisition - **Business expansion** - Launch new product lines, enter new categories, or scale operations ## Distinctive Features of Amazon Seller Loan - **Flexible loan size** - From INR 1 lakh to INR 1 crore; loan can be sized up to twice the current market-based sales value - **Fast disbursal** - Streamlined approval and disbursal process - **Customised offering** - Credit solutions tailored to the seller's specific business ## Advantages of Amazon Seller Financing - **Ease of access** - Apply via the lender's portal from anywhere, anytime; saves commute time - **Designed for e-commerce sellers** - Loan terms reflect marketplace cash-flow patterns - **Flexible repayment** - Weekly repayment option (alongside monthly EMI), helping sellers plan finances around payout cycles - **Collateral-free** - No pledged assets required; seller can focus on growth rather than asset risk - **Marketplace-aware underwriting** - Indifi-Amazon partnership enables data-driven credit decisions ## Why E-commerce on Amazon Matters for SMBs E-commerce, and Amazon specifically, has reshaped how small and mid-size businesses grow in India: - Reduces lead times to market - Enables price-discovery and dynamic pricing - Provides nationwide geographic reach without physical stores - Offers integrated inventory management - Levels the playing field with larger competitors Reliable working capital is the missing piece for many sellers - Indifi's Amazon Seller Loan fills that gap. ## Frequently Asked Questions **Who is eligible for an Amazon Seller Loan?** Sellers with at least 1 year of business operation, 6 months of selling activity (anchor vintage) on Amazon, and minimum monthly Amazon payouts of INR 10,000. Promoter must be 22 years or above. **What is "anchor vintage"?** The duration the seller has been actively selling on the partner platform (Amazon, in this case). Indifi requires a minimum of 6 months. **What is the maximum loan amount?** Up to INR 1 crore, sized based on Amazon sales performance (potentially up to twice the current market-based sales value). **Is the loan collateral-free?** Yes. Amazon Seller Loans are unsecured - no collateral required. **What repayment options are available?** Weekly repayment is available in addition to monthly EMI, helping align repayment with Amazon payout cycles. **What documents are required?** KYC (PAN, Aadhaar), 6 months of bank statements, and ITR (only if annual turnover exceeds INR 5 crores). ## Related Indifi Products - [Flipkart Seller Loan](https://www.indifi.com/e-commerce/flipkart-seller-loan) - [E-commerce Business Loan](https://www.indifi.com/e-commerce-loan-for-indian-online-sellers) - [Business Loan](https://www.indifi.com/business-loan) - [Working Capital Loan](https://www.indifi.com/working-capital-loans-india) - [Term Loan](https://www.indifi.com/term-business-loans-online-india) - [Invoice Discounting](https://www.indifi.com/invoice-discounting-india) - [Collateral Free Business Loans](https://www.indifi.com/collateral-free-business-loans-india) ## About Indifi Indifi Technologies Pvt. Ltd. is a digital lending platform for MSMEs in India. Its in-house NBFC Indifi Capital Pvt. Ltd. is registered with the RBI (Cert. No. B-14.03389). Indifi has direct partnerships with Amazon, Flipkart, Swiggy, Pine Labs, and other major e-commerce and merchant platforms, enabling marketplace-aware lending products. Indifi has disbursed 100,000+ loans across 400+ cities. ## Disclaimer Loan approval is subject to eligibility assessment, Amazon seller account verification, and Indifi's underwriting policies. Loan amount, interest rate, tenure, and fees vary based on seller profile, Amazon payout history, and overall creditworthiness.