We are excited to announce our new relationship with Amazon! Eligible U.S. Amazon sellers can now access a reusable line of credit powered by Slope through Amazon Lending, supported by a credit facility from J.P. Morgan. 

TL;DR: What’s new and why it matters

• Up to $5M in reusable working capital. Approved sellers can access a revolving line of credit (up to $5M for the strongest profiles), draw what they need, choose a term on each draw, repay, and reuse.
• Flexible 2–12 month terms for every draw. Each time you draw, you pick a term so repayment can match how and when your cash actually comes in.
• Competitive Annual percentage Rates (APRs) with no impact to your personal credit score to apply. Top sellers may qualify for rates as low as 8.99% APR, with no personal credit-score impact just to see if you’re approved. (Application and consent to obtain a personal credit report are still required; terms depend on your profile.)
• AI-powered underwriting supported by a J.P. Morgan credit facility. Slope’s AI evaluates your Amazon performance and cash flow in real time, and the program is supported by a credit facility from J.P. Morgan, so capital can move at the speed of your business, not legacy paperwork.

Why flexible capital matters for Amazon sellers right now

Amazon’s 2024 Small Business Empowerment Report shows how central sellers have become to the U.S. economy: independent sellers now drive over 60% of sales in Amazon’s store, have generated more than $2.5 trillion in sales over 25 years, employ 2M+ people in the U.S., and in 2024 alone averaged $290K+ in annual sales—with 55,000+ sellers each topping $1M. (source)

At the same time, the U.S. Department of the Treasury finds over three-quarters of small businesses are worried about access to capital, about one-third struggle to keep up with debt payments as costs rise, and many can’t easily compare financing options because terms and fees aren’t clearly or consistently disclosed. (source)

A Line of Credit powered by Slope with Amazon Lending is built for that gap: embedded where sellers already work, priced with a clear APR and fixed repayment schedule on every draw, and underwritten by AI using real sales and cash-flow data, so financing can match the scale and speed of the businesses driving Amazon’s marketplace.

How it works

Using Slope Line of Credit through Amazon Lending is designed to be simple and in-flow with how you already sell:

1. See your invitation in Seller Central. If you’re eligible, you’ll see a Slope Line of Credit invitation in the Amazon Lending section of Seller Central.
   
2. Connect your data securely. You’ll confirm your Amazon data and securely link your business bank account (via a trusted, read-only connection). This gives Slope a detailed view of your cash flow patterns to help generate the best offer.
   
3. Get a decision and line offer. Slope’s AI underwriting analyzes your Amazon performance and cash flow in real time. Many sellers receive a decision in minutes, along with a proposed line amount, APR range, and available term options.
   
4. Choose your term and draw. Once approved, you can draw from your line as needed. For each draw, you select a term (e.g., 3, 6, or 12 months), so repayment can align with your inventory and sales cycle.
   
5. Repay and reuse. Payments are made automatically from your linked business account. As you repay, your available credit replenishes so its ready for the next launch, PO, or seasonal build.

Over time, as your sales and cash flow grow, your line may be eligible for automatic increases (subject to ongoing review and credit approval).

Why Slope

Behind this line of credit program is infrastructure that makes it possible. What sets Slope apart:

• Cash-flow intelligence, not blunt scores. Our underwriting technology analyzes live transaction and financial data, so decisions reflect the real health of a business, not just a static credit score.
• Fast decisions with real safeguards. Buyers get approvals in as little as minutes, while platforms gain confidence from built-in fraud checks, KYB/KYC, and ongoing monitoring.

By embedding financing directly where businesses already operate, Slope is proving how intelligent credit infrastructure can unlock growth at global scale.

Learn more about the program.

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Disclosure: Slope is a financial technology company, not a bank. Business-purpose loans made by Lead Bank, Member FDIC, and subject to credit approval. Application and consent to obtain a personal credit report are required. Subject to minimum revenue and business requirements. Not all applicants will qualify for the lowest rates, largest amounts, or longest terms. Rates, terms, and availability are subject to change based on borrower eligibility and program guidelines. This program is supported by a credit facility from J.P. Morgan, which is subject to its own terms, conditions, and eligibility criteria.