Amazon FBA and FBM sellers with $4,000-$6,000+/month in bank deposits (from Amazon disbursements plus any other revenue) and a 500+ FICO can access $10,000 to $500,000 via independent MCA, depending on deposit volume. This is separate from Amazon Lending: no Amazon account is pledged, repayment comes from your bank account, and you can use funds on any business expense including non-Amazon channels.
Amazon Lending vs. Independent MCA: The Critical Differences
| Factor | Amazon Lending | Independent MCA (T.A.G.) |
|---|---|---|
| Access | Invite-only, Amazon decides | Available to any qualified seller |
| Amount ceiling | Amazon's internal model | Based on total bank deposits |
| Repayment source | Withheld from Amazon disbursements | Daily % of bank account deposits |
| Impact on Amazon payouts | Reduces your net disbursements | None: disbursements unchanged |
| Use restrictions | Usually inventory-restricted | Any business expense |
| Account pledge | Implicitly secured against Amazon account | No Amazon account involved |
| Non-Amazon use | Not ideal | Fully usable for any channel |
| Approval speed | Pre-approved (instant) or days | Provider-set, once your file is reviewed |
The key insight: Amazon Lending treats your Amazon account as the collateral and your Amazon payouts as the repayment source. An independent MCA treats your bank account as the collateral proxy: the holdback comes from all deposits, including Amazon, Shopify, your website, and wholesale orders.
How Amazon FBA Sellers Qualify
Amazon FBA sellers receive biweekly disbursements (or daily with the daily payout option) deposited directly to their bank account. Those deposits become your qualifying deposit history for MCA purposes.
Key underwriting factors for Amazon sellers:
- Disbursement deposits: The 6-month average of Amazon deposits to your bank account
- Account health: Chronic Amazon reserves or account suspensions will show as deposit gaps, so explain these with a letter
- NSF frequency: NSF events in your bank account are a red flag regardless of Amazon's health
- Average daily balance: The buffer between deposits and debits signals cash flow management quality
Funding Amounts by Revenue Level
| Monthly Bank Deposits | Typical MCA Range | Factor Rate |
|---|---|---|
| $4,000-$10,000 | $4,000-$14,000 | 1.28-1.44 |
| $10,000-$25,000 | $10,000-$35,000 | 1.22-1.38 |
| $25,000-$60,000 | $25,000-$85,000 | 1.18-1.32 |
| $60,000-$120,000 | $55,000-$165,000 | 1.15-1.28 |
| $120,000-$300,000 | $100,000-$380,000 | 1.14-1.24 |
| $300,000+ | $250,000-$500,000 | 1.12-1.22 |
Best Uses for Amazon Seller Capital
Q4 Amazon Seller Funding Strategy
Q4 is when Amazon sellers need the most capital and when cash is tightest before the season starts. Here's the optimal timing:
FBA Q4 Capital Calendar
Requirements
Get Your Amazon Business Funded
No Amazon account pledge. 500 FICO minimum. Review begins as soon as your file is complete. Funding timing is set by the funding provider after review.
Check My Rate NowFAQ
- Do I need to give access to my Amazon Seller Central account?
- No. Unlike some Amazon-specific lenders who require Seller Central API access, MCA qualification is based on your business bank statements alone. Your Amazon account data, sales metrics, and seller performance are not accessed or required.
- My Amazon account is fairly new (8 months). Can I still qualify?
- Yes, as long as you have 6+ months of bank statements showing qualifying deposits. An 8-month-old Amazon account with 8 months of disbursement history is fully qualifying. The 6-month average will be based on your most recent 6 months.
- I had my Amazon account suspended for 3 months last year. Will that hurt me?
- A past suspension that resulted in a 3-month gap in deposits can affect the 6-month average if it falls within the lookback window. If the suspension was resolved and deposits returned to normal, it may be worth waiting until the suspension months fall outside the 6-month average. Including an explanation letter helps underwriters contextualize gaps.
- Can I use MCA to buy inventory from a Chinese supplier?
- Yes. MCA funds can be used for any business expense including international supplier payments (Alibaba, direct factory). You would wire the funds or pay via your normal payment method. There are no restrictions on foreign supplier purchases.