Amazon has launched a reusable line‑of‑credit program for U.S. third‑party sellers, backed by a credit facility from JPMorgan Chase. Eligible sellers can apply directly through their Amazon Seller Central dashboard and receive real‑time approvals, with initial APRs set at 8.99% and draw periods ranging from three months to one year to match inventory cycles.
The underwriting engine combines Amazon’s performance data—sales history, inventory turnover, and fulfillment metrics—with Slope’s proprietary large‑language model, “Slope TransFormer.” Sellers must have been in business for at least one year and generated a minimum of $100,000 in annual revenue to qualify, ensuring the program targets established, high‑volume merchants.
Compared with Amazon’s existing lending options—such as term loans and merchant cash advances—this new line offers a more flexible, data‑driven approach. Traditional programs typically require a fixed repayment schedule and longer approval times, whereas the Slope partnership delivers instant, reusable credit that can be drawn and repaid multiple times within the same period, reducing friction for sellers who need working capital to seize seasonal opportunities.
The partnership signals Amazon’s intent to deepen its role as an infrastructure provider for sellers. By embedding financing directly into the selling platform, Amazon can increase seller retention and encourage higher sales volumes, which in turn boost its fee and advertising revenue. Sellers benefit from faster access to capital, lower costs compared to unsecured bank loans, and the convenience of managing credit within the same interface they use to list and ship products.
Slope, founded in 2021, has raised $200 million across three funding rounds, with notable investors including JPMorgan Chase, OpenAI CEO Sam Altman, and other venture capital firms. The JPMorgan credit facility supporting the program is a $500 million revolving line, allowing Amazon to scale the offering without taking on balance‑sheet risk. Slope’s AI underwriting has been validated in pilot programs with other e‑commerce platforms, demonstrating higher approval rates and lower default probabilities than conventional models.
Amazon’s senior finance officer noted that the partnership “leverages Amazon’s data advantage and Slope’s AI expertise to deliver a seamless, low‑cost financing solution that aligns with sellers’ cash‑flow needs.” The move is expected to generate incremental interest and fee revenue for Amazon while reinforcing its competitive edge over other marketplaces that lack embedded finance options.
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