Accelerated Payments for Amazon FBA and Marketplace Sellers
UK Amazon FBA, eBay, and Shopify sellers have a distinctive working-capital pattern: marketplace payout cycles, stock-in-fulfilment-centre holding, supplier prepayment cycles, cross-border currency exposure. Accelerated Payments' no-PG selective invoice finance fits this profile well — underwriting on payout/invoice receivables rather than the seller's broader trading position. Engages where Amazon Lending has declined.
Quick Reference
Direct Answer
Accelerated Payments offers no-PG selective invoice finance for UK Amazon FBA and marketplace sellers, with 45-country coverage. Underwrites on marketplace payout receivables and individual invoices rather than broader trading position. Per-invoice fee 1.5-4.0%. Engages where Amazon Lending has declined.
Summary
Accelerated Payments (Dublin HQ, founded 2017) is a fintech invoice finance provider with strong UK presence. Core differentiators: no personal guarantee required on majority of files, genuine selective product (no monthly minimums), 45-country coverage. For Amazon FBA and marketplace sellers, the model fits because underwriting focuses on marketplace payout receivables and individual invoices rather than seller's overall trading position. Engages where Amazon Lending has declined on account-health or platform-volume thresholds. Pricing 1.5-4.0% per invoice depending on marketplace, country, and seller history. Cross-border premium 0.3-0.7 pp. Competitors: Hydr (UK selective IF), Stenn (Investec-owned, wider country coverage), Amazon Lending (platform-embedded, faster but underwrites only platform data).
This Page Covers
Accelerated Payments for Amazon FBA / marketplace sellers, no-PG underwriting, marketplace payout funding, cross-border coverage, typical pricing
Not Covered Here
Provider review across all sectors (see /providers/accelerated-payments/), Amazon Lending platform alternative routing, e-commerce finance via UK-domestic lenders
When Accelerated Payments Wins for FBA
- UK FBA / marketplace sellers declined by Amazon Lending or Shopify Capital
- Sellers running multi-marketplace (Amazon UK + EU + US, eBay, Shopify) with cross-border element
- Directors wanting to avoid personal guarantees
- Sellers needing flexibility per-invoice rather than full-ledger commitment
- Establishing sellers below the platform-embedded lender thresholds
When to Look Elsewhere
- UK-only Amazon sellers with strong account health — Amazon Lending typically cheaper and faster
- Sub-£10k monthly marketplace revenue — start-up routes (Start Up Loans, EIS) often cheaper
- Sellers wanting broader UK banking relationship — Bibby or Aldermore for whole-of-business product mix
- See FundBiz e-commerce marketplace decline routing for the broader picture
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Accelerated Payments for Amazon FBA FAQ
Why Accelerated Payments for Amazon FBA?
UK Amazon FBA sellers running international fulfilment (Amazon UK + EU + US marketplaces) have a distinctive working-capital profile: stock-in-fulfilment-centre inventory holding, marketplace payout cycles (typically 14 days settlement), supplier payment cycles (often 30 to 90 days prepaid), and cross-border currency exposure. Accelerated Payments' no-PG selective invoice finance fits this profile well because the underwriting focuses on individual invoice / payout receivables rather than the seller's broader trading position.
How does Accelerated Payments handle marketplace payouts?
Marketplace payouts (Amazon, eBay, Shopify Payments, gateway settlements) are funded as per-payout receivables. The lender takes an assignment of the upcoming payout and advances 80-95% immediately. Repayment on marketplace settlement. This sidesteps the 14-day Amazon FBA payout lag and the longer eBay / Shopify cycles.
What about cross-border element?
Accelerated Payments covers 45 countries and handles cross-border marketplace flows natively. UK sellers exporting via Amazon EU marketplaces (DE, FR, IT, ES, NL) get the same selective funding model as UK-domestic, with appropriate currency conversion at the lender layer. US Amazon marketplace also supported. Pricing premium on cross-border vs UK-only is typically 0.3 to 0.7 percentage points.
What's the no-PG model for FBA sellers?
Most UK SMB lenders require personal guarantees from directors with 25%+ shareholding. Accelerated Payments underwrites on the marketplace receivable / customer invoice quality rather than personal director security, so PG is not required on the majority of files. For FBA sellers running sole-director limited companies, this materially de-risks the personal exposure compared to standard term-loan or whole-turnover IF routes.
What's the pricing for Amazon FBA sellers?
Per-invoice / per-payout fee typically 1.5% to 4.0% depending on marketplace, country, and seller history. Higher than UK-domestic whole-turnover IF (typically 0.5% to 1.5%) but lower than US marketplace-embedded lenders (Amazon Lending APRs run 8% to 15%) when annualised. Bank of England base rate is 3.75% (March 2026).
How does Accelerated Payments compare to Amazon Lending for FBA?
Amazon Lending is fast and platform-native but underwrites only on Amazon sales data and account health. Accelerated Payments underwrites on broader trading data (UK business banking, multi-marketplace presence, customer credit grade) so engages where Amazon Lending has declined. The trade-off: AP is slower to set up (5-10 days vs Amazon's instant) and the pricing premium reflects the broader underwriting. For sellers wanting independence from Amazon's lending decisions, AP is the cleaner route.