Frequently asked questions

PayPal Open

One platform

for all business

Get paid. Get growing. Get ahead.

Do more with the platform designed to power commerce.

88 %
of customers surveyed are satisfied with the ease of applying for a PayPal Business Loan.4
81 %
of customers surveyed maintained or increased their profit margin since accepting the loan.4
79 %
of customers surveyed say their revenue increased or stayed the same after accepting the loan.4

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

How to apply

Apply

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

Select terms

Choose your term

Loan terms range from 17 to 52 weeks depending on your eligibility and loan amount.

Get funding

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.2

"I didn't have to jump through any hoops. Payments are automatic and I even got to choose the day."

— Tasia Ford, co-owner, Big Red’s Hot Sauce

Compare financing options

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 eligibility1 and, if approved, get funding as soon as the next business day2 Get funding in minutes if approved1
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
Repayment 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 loan3 Yes Yes
Late fees and hidden fees No No

Small business loans

Fast funding for what’s next

Get fast, flexible funding to power your growth with the PayPal Business Loan. Apply in minutes and get a decision quickly.1