第三方出借方的商业融资选项

我们与第三方出借方合作，他们可以帮助向满足特定业务要求的卖家提供商业融资选项，帮助这些卖家在亚马逊上拓展业务。

常见问题：

哪些美国第三方出借方参加了该计划？

在美国，目前第三方出借方 Marcus by Goldman Sachs 积极参与了该计划，他们凭邀请提供信用额度产品。

商业融资选项显示在哪里？

对于具有商业融资选项的卖家，他们可以在登录卖家平台账户时查看可用选项。

所有卖家都可以参与该计划吗？

只有符合第三方出借方所定标准的卖家可以参与该计划。

该计划提供哪些产品？

目前，Marcus 商业信用额度是亚马逊上唯一符合美国商业标准的信用产品。

谁参与贷款协议的签署？

卖家将直接与第三方出借方签署贷款协议。亚马逊不会参与此类协议。

为什么需要锁定银行账户？ 如何锁定？

锁定银行业务账户可能是第三方出借方提出的先决条件。账户锁定后，第三方出借方验证其与贷款申请中提供的账户是否相符。完成此步骤后，无法更改在亚马逊上存档的账户。

要锁定账户，请访问卖家平台中批准的申请，并参阅标有“申请正在处理”的部分。点击“锁定账户”按钮，然后按照屏幕上显示的步骤操作。

注意： 该账户将一直处于锁定状态，直至贷款全部偿清且贷款关闭。如果在此过程中遇到任何问题，请联系 amazon-lending@amazon.com。

银行账户如何解锁？

一旦第三方出借方确认贷款已全部偿清，账户将自动解锁。如果贷款已关闭，但银行账户仍然被锁定，请发送电子邮件至 amazon-lending@amazon.com 并在邮件中附上请求以及第三方出借方表明该账户已偿清的偿还函副本。

为什么第三方出借方在申请过程中需要其他信息或文件？

由于贷款是由第三方出借方发放的，所以由他们决定处理申请所需的信息。

亚马逊上的任何数据都会与第三方出借方共享吗？ 如果共享，会共享哪些数据？

我们不会共享任何个人信息。在共享任何数据之前，我们会先征得您的明确同意。我们会在收到您的同意后，与第三方出借方共享您在 Amazon.com 上的业务销售和绩效数据。

在重定向至第三方出借方网站以申请贷款之前，卖家平台将询问您是否同意与该第三方出借方共享您的业务销售数据。

如果您不想共享您的业务销售数据，可以点击“取消”。您将不会进入第三方出借方网站的申请页面，也不会共享任何数据。如果您同意共享，我们将与第三方出借方共享您在 Amazon.com 上的业务销售数据。

请参阅数据共享常见问题，详细了解我们将在征得您同意的情况下共享的数据的信息。

第三方出借方会与亚马逊共享申请过程中使用的任何个人信息吗？

亚马逊不会向出借方索要您的个人信息，包含个人身份信息、大股东或贷款担保方信息，也不会索要您的联系信息，例如手机号、邮箱或地址。要详细了解第三方出借方将与亚马逊共享哪些信息，请参阅数据共享常见问题。

谁可以回答有关当前申请或贷款的问题？

请拨打电话联系 Marcus by Goldman Sachs。服务时间是周一至周五上午 8:00 至晚上 10:00(ET) 以及周六至周日上午 9:00 至晚上 7:00(ET)。

亚马逊官网原文详情：   

Business financing options from third-party lenders

We partner with third-party lenders who may be able to help provide business financing options to sellers who meet specific business requirements, to help these sellers grow their business on Amazon.

Frequently Asked Questions:

Which US third-party lenders are participating in the program?

In the US, there is currently one active third-party lender participating in the program, Marcus by Goldman Sachs, who has a line of credit product available by invitation.

Where are the business financing options displayed?

For sellers with business financing options, they can view available options when they are signed into their Seller Central account.

Is the program available to all sellers?

This program is available only to sellers who meet the criteria determined by the third-party lender.

Which products are available through the program?

At this time, the Marcus Business Line of Credit is the only product available to qualifying US-based businesses on Amazon.

Who is involved with the loan agreement?

The seller will sign a loan agreement directly with the third-party lender. Amazon will not be a party to such agreement.

Why is locking a bank account required? How does it happen?

Locking the business bank account may be a prerequisite from the third-party lender. Once it is locked, the third-party lender verifies it matches what was provided in the loan application. The account on file with Amazon cannot be changed after this step.

In order to lock the account, visit the approved application in Seller Central and refer to the section labeled ‘Applications in progress’. Click the ‘Lock account’ button and follow the steps that appear onscreen.

Note: This account will remain locked until the loan is paid in full and the loan is closed. For any issues during this process, please contact amazon-lending@amazon.com.

How does the bank account unlock?

The account will be automatically unlocked once the third-party lender confirms that the loan has been paid in full. If the loan is closed, but a bank account remains locked, send an email to amazon-lending@amazon.com with the request and a copy of the payoff letter from the third-party lender that the account has been paid off.

Why is the third-party lender requiring additional information or documentation for the application process?

Since the loan is extended by the third-party lender, they determine what information they need to process an application.

Will any data on Amazon be shared with the third-party lenders? If yes, what data?

No personal information will be shared. We take your explicit consent before sharing any data. We will share your business’s sales and performance data on Amazon.com with the third-party lender after receiving your consent.

Prior to being redirected to a third-party lender’s site to apply for a loan, you will be asked in Seller Central whether you agree to share your business’s sales data with this third-party lender.

If you do not want to share your business’s sales data, you may click ‘Cancel’. You will not proceed to the application page on the third-party lender’s site and no data will be shared. If you agree to share, we will share your business’s sales data on Amazon.com with the third-party lender.

Refer to Data Share FAQ for more information on the data we will share with your consent.

Will the third-party lenders share any personal information used in the application process with Amazon?

Amazon does not ask the third-party lenders for your personal information, including your personal identity information, biggest shareholder, or loan guarantor, nor does Amazon ask for your contact information such as phone number, email, and address. To learn more about what information the third-party lender will share with Amazon refer to the Data Share FAQ.

Who can answer questions about a current application or loan?

Please contact Marcus by Goldman Sachs by calling 1-833-906-2224. They are available Monday through Friday, 8:00 a.m. - 10:00 p.m. (ET) and Saturday through Sunday, 9:00 a.m. - 7:00 p.m. (ET).

文章来源：亚马逊官方网站