COMPARISON
Banked.fyi vs Amazon Lending
An honest comparison to help you choose the right business funding partner for your needs.
✓ Unbiased Analysis✓ Real User Feedback✓ Updated December 2025
OVERVIEW
At a glance
B
Banked.fyi
RECOMMENDEDA modern business funding marketplace that connects you with 75+ lenders for the best rates and terms. Transparent pricing, fast approvals, and dedicated support.
Highlights
- No hard credit pull to check rates
- Access to 75+ lenders in one application
- Same-day funding available
- Transparent fee structure
- US-based support team
A
Amazon Lending
Est. 2011Amazon Lending provides term loans to eligible Amazon sellers to help grow their businesses on Amazon's marketplace.
Pros
- Low rates
- No credit check
- Large loan amounts
- Trusted brand
Cons
- Amazon sellers only
- Invitation only
- Fixed payments
- Must maintain Amazon performance
FEATURES
Feature comparison
| Feature | Banked.fyi | Amazon Lending |
|---|---|---|
Soft Credit Pull to Check Rates See rates without impacting your credit score | ||
Same-Day Funding Get funds deposited the same day you apply | ||
Multiple Lender Options Compare offers from multiple lenders | ||
Bad Credit Accepted Options for credit scores below 600 | ||
No Collateral Required Unsecured funding options available | ||
Transparent Pricing Clear fee structure with no hidden costs | ||
Dedicated Advisor Personal support throughout the process | ||
Maximum Loan Amount Highest available funding | $5,000,000 | $750,000 |
Minimum Credit Score Credit requirements | All credit types | No minimum |
Time in Business Required Minimum operating history | 3 months | Active Amazon seller |
APR Range Interest rate range | 7.5% - 45% | 6.99% - 16.99% |
Funding Speed How quickly you can get funded | Same day - 7 days | 5 business days |
Rate Competitiveness How competitive are the offered rates | 4.5 | 5.0 |
Application Experience Ease and speed of the application process | 4.5 | 3.0 |
Customer Support Quality Responsiveness and helpfulness of support | 5.0 | 3.0 |
RATINGS
How they compare
Interest Rates
Banked.fyi
4.5
Amazon Lending
5.0
Funding Speed
Banked.fyi
4.5
Amazon Lending
3.0
Customer Service
Banked.fyi
5.0
Amazon Lending
3.0
Flexibility
Banked.fyi
5.0
Amazon Lending
2.0
Overall Experience
Banked.fyi
4.5
Amazon Lending
4.0
OUR VERDICT
Banked.fyi edges out Amazon Lending
Both are solid options, but Banked.fyi's marketplace model gives you more flexibility and options. Amazon Lending excels at low rates, but for most businesses seeking the best rates and terms, Banked.fyi's ability to compare multiple lenders in one application is a significant advantage.
FAQs
Common questions
Is Banked.fyi better than Amazon Lending?+
Both options have their strengths. Banked.fyi is a lending marketplace that connects you with 75+ lenders, giving you more options to compare. Amazon Lending is a direct lender with low rates. The best choice depends on your specific needs, credit profile, and funding timeline.
What are the main differences between Banked.fyi and Amazon Lending?+
The key difference is that Banked.fyi provides access to 75+ lenders through one application, while Amazon Lending offers funding directly. Banked.fyi offers loan amounts up to $5M with funding as fast as 4 hours, while Amazon Lending offers up to $750,000 with funding in 5 business days.
Which has better rates: Banked.fyi or Amazon Lending?+
Rates vary based on your business profile, credit score, and loan type. Banked.fyi's marketplace model often helps businesses find more competitive rates by comparing multiple lenders. Amazon Lending's rates range from 6.99% to 16.99%. We recommend checking both to see which offers better terms for your situation.
What credit score do I need for Amazon Lending?+
Amazon Lending typically requires a minimum credit score of No minimum. Banked.fyi works with all credit types and can connect you with lenders even if you have bad credit, giving you more options to explore.
How fast can I get funded with Amazon Lending vs Banked.fyi?+
Amazon Lending typically funds in 5 business days. With Banked.fyi, depending on the lender match, you can receive funding as fast as 4 hours for certain products, though most loans fund within 1-7 days.
Does Amazon Lending do a hard credit pull?+
Amazon Lending uses a soft credit pull initially, similar to Banked.fyi. Banked.fyi never performs a hard credit pull when checking your rates—only when you choose to proceed with a specific lender.