Slope Working with Amazon to Expand Access to Capital for Amazon Sellers

New program brings AI-powered underwriting and instant financing to U.S. Amazon Sellers, supported by a J.P. Morgan credit facility

SAN FRANCISCO--(BUSINESS WIRE)--Slope, the AI-native lending platform transforming how businesses get approved and funded, today announced a new relationship with Amazon to provide fast, transparent financing to eligible U.S.-based Amazon sellers. The Slope credit program,¹ supported by a J.P. Morgan credit facility,² enables eligible sellers to access flexible working capital directly through their Amazon Seller accounts — with approvals as fast as minutes. Additionally, the program is set to offer competitive annual percentage rates (APRs) to qualified sellers, with credit lines that can automatically upsize based on cash flow trends.

Independent sellers now account for more than half of Amazon’s sales.³ At the same time, access to affordable financing remains one of the biggest concerns for small business owners.⁴ The new program introduces a new generation of embedded credit infrastructure that helps sellers bridge inventory cycles, expand product lines, and reinvest in their businesses, without the friction or opacity of traditional lending.

“We've built our platform to leverage real-time seller data and AI to provide fast, transparent financing decisions,” said Lawrence Lin Murata, Co-Founder and CEO of Slope. “This launch shows what’s possible when you use AI to actually understand a business in motion, unlocking faster, fairer credit for entrepreneurs selling on Amazon.”

The program runs on Slope’s AI credit infrastructure, the company’s proprietary credit intelligence engine that translates messy transaction and cash flow data into a structured, auditable understanding of business health. By combining this infrastructure with Amazon sellers’ sales and performance data and a J.P. Morgan credit facility, the program brings an unprecedented level of precision and speed to SMB credit decisions, enabling continuous, adaptive financing as seller businesses grow.

Announced in July 2024, J.P. Morgan Payments has made a strategic investment in Slope, to help provide clients access to a short-term financing solution that offers an extension of payment terms to such clients’ business customers, powered by Slope’s platform. Slope joined the J.P. Morgan Payments Partner Network, which delivers end-to-end payment experiences through an ecosystem of third-party applications that can grow businesses faster. In addition, J.P. Morgan has provided Slope with a debt facility to help the business achieve additional scale.

The collaboration extends Slope’s growing network of relationships with the world’s largest retailers, each focused on expanding access to modern, AI-enabled credit for the businesses powering the global supply chain.

About Slope

Slope is defining a new category of credit and risk infrastructure, empowering platforms to embed seamless financial capabilities directly into their user experiences. Slope’s real-time underwriting technology enables instant, intelligent capital deployment, transforming how digital platforms deliver financial services to businesses of all sizes. Learn more at slopepay.com.

^1	Slope is a financial technology company, not a bank. Credit products powered by Slope are originated by Lead Bank, Member FDIC, subject to credit approval. Fees vary based on risk assessment and term.
^2	This program is supported by a J.P. Morgan credit facility, ensuring that capital is provided by J.P. Morgan in accordance with the credit facility's terms, conditions, and eligibility criteria.
^3	Source: Amazon 2024 Small Business Empowerment Report
^4	Source: The U.S. Department of the Treasury