Amazon is offering a “Buy Now, Pay Later” option for some small business owners who purchase supplies from Amazon Business.

The option comes as many small business owners struggle to find loans at reasonable rates. The service is run by fintech company Affirm, known for its similar service for consumers.

Amazon Business offers a wide array of goods small businesses need to operate — from office supplies and IT products to medical and restaurant supplies.

With the new “Buy Now, Pay Later” option for purchases of $100 or more, owners can choose to extend payments over three to 48 months, depending on how much they spend, with a set interest rate between 10% to 36%, based on credit. For example, a $200 purchase at 15% annual percentage rate would cost a customer $34.81 for six months, totaling $208.84.

It will be available to sole proprietors — a sole owner of a business who pays personal income tax on profits earned from the business — by Black Friday, or Nov. 24.

While “Buy Now, Pay Later” services offer flexibility, the interest rates could be steep and small business owners should make sure they’re able to pay the installments on time. The companies say there aren’t late fees, but like any loan, late payments could affect an owners’ credit score.