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PayPal Open tools for now and what’s next

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1M +
small business loans awarded in the US since 20131
$22B
in US business funding distributed since 20131
97 %
of surveyed borrowers said
they would borrow again2

Fast funds that flex with you

Unlock your next opportunity and enjoy flexible repayments based on your PayPal sales.3

  • Initial loans up to $200K

  • No credit check

  • Apply and get funded in minutes, if approved

Explore PayPal Working Capital

A loan built for

long-term growth

Keep your business moving forward with quick funding and predictable payments.

  • Initial loans up to $100K

  • Checking eligibility won’t affect your consumer credit score4

  • Get funding as soon as the next business day, if approved5

Explore PayPal Business Loan

Fast access to cash and rewards

Get instant access to your PayPal funds and earn cash back wherever you use your card.6

  • Earn 1% cash back on eligible purchases7

  • Get your digital card in minutes, if approved

  • Pay anywhere Mastercard® is accepted

Explore PayPal Business Debit Card

Get smarter. Grow faster.

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Financial services

Power your business at every turn

Take your business to the next level with tools that unlock flexible funding and instant spending power.

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To be eligible for a PayPal Business Loan, your business must have an annual revenue of $33,300 or more. You must be in business for at least 9 months. And a PayPal Business account is required.
To be eligible for PayPal Working Capital, your business must have a PayPal Business or Premier account for 90 days or more. Your business must have processed at least $15,000 in PayPal sales in the last 12 months (or $20,000 for Premier accounts). And you must pay off any existing PayPal Working Capital loan before applying for another.
The lender for PayPal Business Loan is WebBank. PayPal Business Loan is currently unavailable to businesses located in certain states. Visit the FAQ on the PayPal Business Loan page for more details on availability.
The lender for PayPal Working Capital is WebBank. PayPal Working Capital is currently unavailable to businesses located in certain states.Visit the FAQ on the PayPal Working Capital page for more details on availability.
The PayPal Business Debit Mastercard® is issued by The Bancorp Bank, N.A. pursuant to a license by Mastercard International Incorporated. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. This is a debit card linked to your PayPal Balance account and is not a credit card. Card may be used everywhere Mastercard is accepted. The Bancorp Bank, N.A. is issuer of the Card only and not responsible for the associated accounts or other products, services or offers from PayPal.
The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.
1
Based on PayPal proprietary data analysis from September 2013 to March 2025.
2
Based on PayPal Working Capital and PayPal Business Loan Net Promoter Score Surveys, January - November 2024. N=205.
3
This is not an offer or commitment to provide capital. Applicants must satisfy certain requirements to be eligible. Lender approval required. Repayment percentage chosen prior to loan funding and applied to each PayPal sale. Minimum payment required every 90 days. 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.
5
The lender transfers funds as fast as the next business day for applications approved by 5PM ET on bank business days.
6
To be considered for a PayPal Business Debit Mastercard, a customer must have a PayPal Business or PayPal Balance account to maintain and use a PayPal balance.
7
You'll receive unlimited 1% cash back on purchases when your PayPal Business Debit Mastercard purchase is completed as a credit transaction. Purchases eligible for cash back include transactions processed as credit by Mastercard. Purchases that are not eligible for the cash back include but are not limited to: transactions processed as cash withdrawals, cash advances, quasi-cash transactions or those using a PIN or that the merchant processes via debit network or PIN-less debit. Earned cash back will be added to your PayPal balance weekly. See Cardholder Agreement for complete details.