Fast funding, competitively priced.
Meet PayPal Business Loan, a fixed-term small business loan based on your overall business health. Loans range from $5,000 to $100,000 for first-time borrowers and up to $150,000 for repeat borrowers.
Check Eligibility
Financing designed forbusiness
Fast access to businessfunding
If your application is approved, funds are transferred to your PayPal Business account as soon as the next business day.¹
Competitive and transparentpricing
Pay one competitively priced fixed fee you’ll know when you apply. No late fees, early repayment fees, or processing fees.²
Predictable payments
Choose a term that’s right for your business and repay automatically with predictable weekly payments.
Check eligibility inminutes³
Quickly see if your business is eligible for a loan without impact to your consumer credit score.⁴
The lender for PayPal Business Loan is WebBank.
1
The lender transfers funds as fast as the next business day for applications approved by 5PM ET on bank business days.
2
In addition to the Total Loan Fee, the only other cost is a $20 Returned Item Fee that is only assessed if a payment is returned.
3
This is an invitation to apply and not an offer or commitment to provide capital. Applicants must satisfy certain requirements to be eligible. Lender approval required—terms and conditions apply.
4
Completing the questionnaire will assess your business’s eligibility, allow you to review estimated offers if eligible, and will not impact your consumer credit score. Accepting an approved loan offer will trigger credit checks and other public records checks, which may impact your consumer credit score.
Not your traditional
business funding
Is PayPal Business Loan right foryou?
Minimum eligibility requirements:
At least nine months in business
Annual revenue of at least $33,300
A PayPal Business account is required
Check Eligibility
Not a fit? Check out PayPal Working Capital, a loan that flexes with your PayPal sales.
Fund a new opportunity. Help manage cash flow. Get more inventory. Ramp up your marketing. Improve day-to-day operations. A PayPal Business Loan can help you getstarted.
How to apply for a PayPal BusinessLoan
01
Check eligibility in minutes
This is an invitation to apply and not an offer or commitment to provide capital. Applicants must satisfy certain requirements to be eligible.5
02
Choose your term
Loan terms range from 17 to 52 weeks depending on your eligibility and loan amount.
03
Get funding fast
If approved, agree to the loan terms. The lender will then transfer funds to your PayPal Business account as fast as the next business day.6
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⁵ Lender approval required—terms and conditions apply.
⁶ The lender transfers funds as fast as the next business day for applications approved by 5PM ET on bank business days.
I didn't have to jump through anyhoops.
[PayPal Business Loan] is automatic, I have a set amount automatically drafted out of the account for every payment, and I got to even choose the day.”
— Tasia Ford, co-owner, Big Red’s Hot Sauce
Results or experiences may vary substantially across businesses.
Compare financing options
Which business loan option is right for you?
PayPal Business Loan | PayPal Working Capital | |
---|---|---|
Loan amount | $5,000 to $100,000 (up to $150,000 for repeat borrowers) | $1,000 to $200,000 (up to $300,000 for repeat borrowers) |
Time to receive funds | Check eligibility7 and, if approved, get funding as soon as the next business day8 | Get funding in minutes if approved |
Minimum eligibility requirements |
|
|
Credit check | Requires credit checks because the loan is based on a full picture of your business | No credit check because the loan is based on your PayPal account history |
How the loan is paid back | Weekly fixed payments are automatically made from your bank account | Repaid as a percentage of your PayPal sales; minimum repayment every 90 days |
One fixed fee that’s paid over the life of the loan9 | ||
No hidden fees and no late fees | ||
Check Your Eligibility | Learn More |
⁷ This is an invitation to apply and not an offer or commitment to provide capital. Applicants must satisfy certain requirements to be eligible. Lender approval required—terms and conditions apply.
⁸ The lender transfers funds as fast as the next business day for applications approved by 5PM ET on bank business days.
⁹ For PayPal Business Loan, in addition to the Total Loan Fee, the only other cost is a $20 Returned Item Fee that is only assessed if a payment is returned.
Frequently asked questions
Want fast, competitively
priced funding?
PayPal Business Loan is a fixed-term small business loan based on a full picture of your business.
Check Eligibility
Call our US-based team for help
800-941-5614
Monday - Friday, 9AM to 6PM ET
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