Amazon Business Line of Credit Alternatives

Amazon offers revolving credit options for businesses, but its business line of credit isn’t currently one of them.

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Applications for the Amazon Business Line of Credit are no longer being accepted, as of this writing.

Business owners who are interested in the Amazon Business Line of Credit can explore other credit options offered by Amazon, as well as those offered by banks and alternative lenders.

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Amazon business credit options

Besides its Business Line of Credit, Amazon has two other credit options for small business owners who want the flexibility to extend their payment deadline for purchases.

Amazon Business Prime American Express Card

With card benefits designed to support business owners, the Amazon Business Prime American Express Card may be the best alternative to the Amazon Business Line of Credit. Any Amazon customer is free to apply for it, as long as they have a business purpose for the card. With a Prime membership, you’ll have the option to earn 5% in reward points or choose interest-free payment terms up to 90 days. Without a membership, your options are 3% back and 60-day terms. Qualifying purchases are limited to the U.S. and must be from Amazon Business, Amazon Web Services, and Whole Foods Market. A rewards limit is set for the first $120,000 in purchases for the year.

Amazon Pay by Invoice

Amazon’s Pay by Invoice program can be used by business owners to extend payment on their Amazon Business account to 30 to 60 days based on plan selection. However, Pay by Invoice is an invitation-only program, which means you can’t apply for it directly. Amazon will contact you if you’re eligible for the program.

With Pay by Invoice, you’re billed for your purchases and then make payments to an assigned bank account number by a specific due date. If you fail to make your payments on time, you will be charged interest of 1.5% monthly on the outstanding balance.

Alternatives to Amazon business credit options

If neither of the existing Amazon options work for your business, you may want to consider other line of credit programs offered by banks and online lenders, such as the following:

PNC Bank

PNC Bank offers both secured and unsecured business lines of credit. Its unsecured lines are from $20,000 to $100,000 and don’t require collateral. Variable interest rates apply, as does an annual fee of $175. The payment amount on your line will be 1.5% of your balance or a minimum of $100. A PNC banker is available to review the process with you and help you gather the information needed for your application. You then have the option to apply online, by phone or at a bank branch.


Fundbox is an online lender that offers small-business lines of credit up to $150,000. After approval, funds are deposited into your business checking account within a few days. This could be a good fit if you have a personal FICO score of 600 or more and your business has been in operation for at least six months, is U.S.-based and has at least $100,000 in annual revenue. Repayment plans range from 12 to 52 weeks. Monthly payment plans are offered, or you can choose to pay weekly. There aren’t any prepayment penalties, and fees vary per customer.


A Bluevine business line of credit is another short-term credit option to consider, with credit lines up to $250,000. Minimum qualification requirements are a 600 or higher FICO score, six months or more in business, monthly revenue of $10,000 and operation in the U.S. Fixed monthly or weekly payments can be made over six to 12 months. And you won’t be hit with a prepayment penalty if you pay off the balance early. There are no monthly fees, but you will be charged interest over the repayment period.

Compare business loans

If you’d like to compare loan options, NerdWallet has a list of the best small-business loans. All of our recommendations are based on the lender’s market scope and track record and on the needs of business owners, as well as rates and other factors, so you can make the right financing decision.