As long as you select Digital as your option when uploading your content, then instant download should be an option. You do not need to be in a team to do that.
You will need to attach your item to your listing so it can be downloaded instantly, though. If you are not uploading a file, then it can not be downloaded upon purchase, and must be sent.
Here is a picture of what it should look like when you are uploading a new listing:
http://screencast.com/t/9Sv7nVYvUhDj As long as you select "Digital File", then the file section will appear. Once the file section appears, you need to upload your files. There is a file size limit, and you are limited to 5 files, so make sure you have them grouped if it is a large order.
Heather
