Frequently asked questions

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Business Debit Card
 

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just like yours

Every business needs a reliable partner. From secure payment processing to helpful business insights, we’re here for you.

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Financing designed for business

Fast access to business funding

If your application is approved, funds are transferred to your PayPal Business account as soon as the next business day.¹

Competitive and transparent pricing

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 in minutes³

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 for you?

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 get started.

This small business loan can help take your company further

88%
of customers surveyed are satisfied with the ease of applying for a PayPal Business Loan.
81%
of customers surveyed maintained or increased their profit margin since accepting the loan.
79%
of customers surveyed say their revenue increased or stayed the same after accepting the loan.
Data based on a Dynata Survey of 300 PayPal Business Loan customers, July 2024.

How to apply for a PayPal Business Loan

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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 any hoops.

[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?

Compare financing options
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
  • Annual revenue of at least $33,300
  • Business is at least nine months old
  • A PayPal Business account is required
  • Have a PayPal Business or Premier account for at least 90 days
  • Processed at least $15,000 in PayPal sales in the last 12 months ($20,000 for Premier accounts)
  • No outstanding PayPal Working Capital loan
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.

Small business loans

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
The lender for PayPal Business Loan is WebBank. PayPal Business Loan is currently unavailable to businesses located in certain states. Check out the FAQ above for more details on PayPal Business Loan 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.