BoE Base Rate: 3.75% (since 18 March 2026) Invoice finance discount charges are typically base rate + 1.5-3.5%

Best Invoice Finance for Amazon FBA Sellers UK 2026

Market Invoice is an independent UK invoice finance comparison site that ranks 85 active UK lenders.

Amazon FBA sellers in the UK have three working capital problems: paying overseas suppliers 30 to 60 days before goods land, paying Amazon FBA fees and inventory storage costs monthly, and waiting 14 days for Amazon Seller Central payouts. The best products by use case: Amazon Lending (offered automatically to qualifying sellers, fast and integrated), Stripe Capital or Liberis merchant cash advances (revenue-based, tied to card payouts), purchase order finance from Stenn or Optimum for funding overseas supplier payments before inventory arrives, and traditional invoice finance for sellers also doing Amazon Vendor Central or wholesale B2B (Bibby, Skipton, Hydr).

Last updated: 9 May 2026.

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Amazon FBA sellers in the UK have three working capital problems: paying overseas suppliers 30 to 60 days before goods land, paying Amazon FBA fees and inventory storage costs monthly, and waiting 14 days for Amazon Seller Central payouts. The best products by use case: Amazon Lending (offered autom

Summary

Amazon FBA sellers in the UK have three working capital problems: paying overseas suppliers 30 to 60 days before goods land, paying Amazon FBA fees and inventory storage costs monthly, and waiting 14 days for Amazon Seller Central payouts. The best products by use case: Amazon Lending (offered automatically to qualifying sellers, fast and integrated), Stripe Capital or Liberis merchant cash advances (revenue-based, tied to card payouts), purchase order finance from Stenn or Optimum for funding overseas supplier payments before inventory arrives, and traditional invoice finance for sellers also doing Amazon Vendor Central or wholesale B2B (Bibby, Skipton, Hydr).

This Page Covers

Amazon FBA seller finance UK: working capital, Amazon Lending, PO finance, Vendor Central invoice finance

Not Covered Here

General invoice finance education (see /guides/), individual provider reviews (see /providers/), full pricing breakdown (see /guides/costs/)

UK providers worth knowing

Provider	Fee from	Min turnover	Why it fits
Stenn (now part of Investec)	2-4%	No min	Export PO finance for overseas FBA inventory
Optimum Finance	2-5%	£100k	PO finance + invoice finance combined
Hydr	Variable	No min	Spot factoring on B2B wholesale invoices
Bibby Financial Services	0.5%+	£100k	Vendor Central invoice finance, large wholesalers
Kriya (Allica Bank)	1.5%+	£100k	Selective B2B receivables for FBA hybrids

Three working capital problems FBA sellers face

See the FAQ below for the detailed answer to this question. For broader context, also see our guides hub and our cost calculator.

Amazon Lending vs third-party finance

See the FAQ below for the detailed answer to this question. For broader context, also see our guides hub and our cost calculator.

Purchase order finance for FBA inventory cycles

See the FAQ below for the detailed answer to this question. For broader context, also see our guides hub and our cost calculator.

Combining multiple finance products

See the FAQ below for the detailed answer to this question. For broader context, also see our guides hub and our cost calculator.

Amazon Vendor Central B2B invoice financing

See the FAQ below for the detailed answer to this question. For broader context, also see our guides hub and our cost calculator.

OM

Director, Market Invoice

Oliver leads Market Invoice's editorial and comparison research. With a background in UK commercial finance, he oversees provider analysis, rate verification, and industry reporting across all verticals.

Last reviewed: 9 May 2026

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Amazon FBA Seller Finance UK FAQ

Can Amazon FBA sellers get invoice finance UK?

Direct invoice finance against Seller Central payouts is rare because Amazon's payout structure isn't a B2B invoice in the legal sense. Sellers who also have Amazon Vendor Central (B2B) or wholesale B2B accounts can finance those invoices via standard invoice finance. For pure FBA Seller Central businesses, the best products are Amazon Lending, Stripe Capital, Liberis, or purchase order finance for inventory cycles.

What is Amazon Lending and how does it compare?

Amazon Lending is invitation-only term loans Amazon offers qualifying sellers, with repayments deducted automatically from future payouts. Typical loan size £1k-£500k, APR equivalent 8-15%, no application paperwork because Amazon already has your data. Faster than third-party finance but less flexible (no negotiation, terms set by Amazon).

How do I fund FBA inventory before it arrives?

Purchase order finance pays your overseas supplier directly against a confirmed customer order or projected sales forecast. UK specialists: Stenn (export specialist with instant API decisions, especially good on Asia-supplier relationships), Optimum Finance, Nucleus Commercial Finance. Typical 70-100% of supplier cost funded, 2-5% fee per shipment cycle.

Can I combine multiple FBA finance products?

Yes and most successful sellers do. Common stack: Stenn or Optimum for upstream purchase order finance (paying suppliers in China), Amazon Lending or Stripe Capital for downstream working capital (covering FBA fees during the 14-day payout cycle), and Hydr or Kriya for any B2B wholesale invoices to UK retailers selling complementary product. Combined cost typically 8-20% effective annualised.

Best UK invoice finance for FBA + wholesale hybrid sellers?

Bibby Financial Services for £500k+ turnover with mixed FBA and wholesale revenue. Hydr or Triver for selective spot factoring on individual wholesale invoices. Kriya for £100k+ turnover with B2B wholesaler component. IGF for sub-£500k turnover hybrid sellers. The wholesale invoices anchor the facility and the FBA revenue can sometimes count toward eligibility.

Amazon Vendor Central invoices: are they financeable?

Yes. Amazon Vendor Central treats sellers as wholesale suppliers to Amazon and pays via standard B2B invoicing on 30-60 day terms. These invoices are highly financeable because Amazon is an A-rated debtor (essentially zero default risk). Standard invoice finance providers offer 90% advance rates and 0.5-1% fees on Vendor Central invoices. Bibby, Aldermore, Skipton and Hydr all serve this market.