Powered by

XF Cloud


Seller Lending (Express)

Loan discount 1%, interest rate reduced 1%, affect your interest directly!

Up to300万元


Event ends on:

 August 31st.


8.5% 6.5% APR (simple interest)
+ 2.5% guarantee fee

Repayment Term: 

 6 or 12 months


6 months equal principal
and interest repayment/12 months flexible repayment

520 Express Loan: 

5-minute application
2-minute review and approval
0-second disbursement

Applicable area: 

 All China

Top 3 benefits

Digitization enables more possibilities

“520”express financing experience

Top 3 benefits

Digitization enables more possibilities

“520”express financing experience

Application in 5 minutes

Direct application from the back end for Amazon Seller Central, simple authorization process, financing application as quick as in 5 minutes.

Review and approval in 2 minutes

Completely online application process, no offline due diligence, review and approval as quickly as in 2 minutes.

Disbursement in 0 second

Instant cash withdrawal upon successful disbursement.

Express Financing

Customized for cross-border e-commerce sellers:

Customized for cross-border e-commerce sellers:

One million credit limit

Up to 3 million credit loan, no collateral

Application on mobile app

Completely online application process, manage on mobile app at any time and anywhere.

No regional restriction (in China)

Cover all regions in China.

Service advantages

Dedicated consumer service

One-to-one follow-up with client manager, online guides throughout the process.

Consultation services

Provision of one-stop solutions based on the actual situation and pain points of corporate customers.

Increase valuation services

Meeting various business needs of customers through a broad network of cross-border partners.

Service advantages

Steps of Use

A few simple steps to improve your cash flow and expand your business worldwide

Sign up

Sign up Dowsure

Grant authorization

Authorize Amazon
store data

Provide information

Fill up
application form

Review and Approval

Application review
and approval

Fund disbursement
and withdrawal

Fund disbursement and
withdrawal to your account

Frequently Asked Questions:

Questions about product? See the FAQ.

There is no requirement for a company’s length of operation time. Stores applying for loans should be in operation for at least one year.
You can withdraw funds in installments. Withdrawals are capped at 500,000 CNY within 7 days and single withdrawal is capped at CNY500,000. Once the principal is settled, lending limit will be renewed.
If the receiver of the loan payment is an individual, then the loan applicant must be that individual. If the receiver of the loan payment is a corporate, then the loan applicant must be a legal person of that receiving corporate.
Currently, supported e-commerce platforms include Amazon (USA, Germany, and other countries), eBay, Shopee, and more coming soon.
Loanee’s ID card, business license, and Class I Chinese banking card.
During the application process, you may open a Class II account with SPDB online and transfer funds to your Class I account upon disbursement.
You should transfer a repayment to an SPDB Class II account from the Class I account used for your application. SPDB deducts the repayment on the 15th of each month at 16:00. The current month's loan shall be repaid from the following month.
Currently, WF, Lianlian Pay, Epay, Skyee, Lakala Payment, iPaylinks, and PingPong are supported. More payment companies are coming soon.