Amazon Adds Walmart Orders, Opening a Wider View of Sellers

Amazon is changing how it evaluates sellers for working capital loans by looking at their sales data from outside the Amazon ecosystem. Historically, platform-based lenders only offered credit based on the sales they could track on their own site. Now, Amazon is allowing sellers to integrate data from other marketplaces like Walmart and their own independent websites to get a more accurate picture of their business health. For retailers and operators, this means your total sales volume across all channels now counts toward your creditworthiness. This shift addresses a major pain point for multichannel merchants. Previously, if you split your inventory between Amazon and Walmart, an Amazon-linked lender might see only half your revenue, leading to lower loan offers or higher interest rates. By providing a holistic view of your cash flow, Amazon is essentially competing to be your primary financing partner regardless of where the transaction happens. This move signals a broader trend where financing follows the merchant, not just the platform. It allows for larger loan amounts and potentially better terms because the lender has a clearer understanding of your ability to repay. As inventory costs and marketing expenses rise, having a lender that understands your entire operation—not just one storefront—gives you more flexible leverage to grow.

Source: PYMNTS

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