Unlocking Business Growth: How Amazon Leveraged Funding to Disrupt and Thrive

In business, growth is often synonymous with success—every business dreams of expanding its horizons, reaching new markets, and becoming a household name. Yet, the growth path is rarely a smooth one. It’s often riddled with financial obstacles and challenges, just like Amazon’s journey.

 The Early Days of Amazon 


Amazon, now a global giant, had humble beginnings. Founded by Jeff Bezos in 1994, the company started as an online bookstore. Bezos, however, had grander visions for Amazon, seeing it as an “everything store.”


The Role of Credit  


To fuel this vision, Bezos turned to a somewhat unconventional source of financing: credit cards. In the early days, Amazon’s growth was largely powered by these plastic cards. It might seem risky, but it was a testament to Bezos’s determination.


High-interest credit cards were a readily accessible source of capital for Amazon when traditional business loans were harder to secure. Bezos invested approximately $300,000 from his family’s savings and utilised credit cards to finance Amazon’s growth.


Bank Loans and the Dot-Com Crash 


As Amazon continued to expand, the need for capital grew exponentially. Bezos realised that high-interest credit cards alone wouldn’t suffice. The dot-com crash of the early 2000s made securing bank loans even more critical. Amazon’s survival during this turbulent period can be attributed to this financial strategy.


The dot-com crash was a period of severe economic instability, leading to many internet-based businesses folding. Amazon’s ability to secure bank loans during this time was pivotal in maintaining operations and weathering the storm.


“In the business world, growth is often synonymous with success.”


Fast access to business finance in a user-friendly platform with fixed, competitive interest rates.

multifi business finance platform

Boost your cashflow with business finance

Access up to £200,000 credit

Setup fee:

zero set-up fees

Monthly fee:

of credit limit

Interest fee:

per 30 days on used credit

 Amazon’s Disruption and Ongoing Growth 


With the dot-com crash behind them, Amazon focused on disrupting the retail industry. It diversified its product offerings, embraced innovation, and pioneered online shopping experiences. Funding remained a vital component of Amazon’s journey.


Amazon’s transformation from an online bookstore to a global retail and technology giant demonstrates the role of financing in enabling businesses to pivot, diversify, and drive innovation.


multifi’s Role in Empowering SMBs 


While Amazon’s story is awe-inspiring, the landscape has evolved. Today, UK small and medium-sized businesses (SMBs) seek growth opportunities. multifi offers accessible credit to support these businesses in their journey to success.


“Jeff Bezos turned to high-interest credit cards for Amazon’s early growth – a testament to determination.”


Business Growth Financing


In business, financing plays a pivotal role in achieving growth and success. Amazon’s historical journey showcases how unconventional methods, like high-interest credit cards and bank loans, can pave the way for disruption. As the business landscape continues to evolve, multifi is a modern solution, empowering UK SMBs with accessible credit to write their success stories.


If you found this post useful, don't forget to share it on social.

Photo by Seattle City Council under Creative Commons

How multifi works

Instantly check
eligibility for up to
£200,000 credit.

Sign-up and use credit
to make UK and
international payments.

Repay. Reuse. Repeat.