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

Apply Now
Get in touch, 1-800-941-5614.
Man smiling while he packs a bottle in a box

Not your traditional business funding

Quick access to funds

Loans from $5,000 to $200,000 can be yours as soon as the next business day after approval.2

Designed for growth opportunities

Pay one upfront fee. No hidden costs, no surprises.3 Repayment is simple. Set your term and schedule, and we’ll handle the rest with automatic weekly payments.

Get more funding as you grow

Repeat borrowers can qualify for loans up to $300,000. Renew early to keep your business moving forward.

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

Apply Now
Not a fit? Check out PayPal Working Capital, a loan with payments that flex with your PayPal sales.

How to apply

"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 $200,000 (up to $300,000 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
Apply Now  
Learn More  

Get ready to grow

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Frequently asked questions

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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.
1
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.
2
The lender transfers funds as fast as the next business day for applications approved by 5PM ET on bank business days.
3
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.
4
Data based on a Dynata Survey of 300 PayPal Business Loan customers, July 2024.
The PayPal Business Debit Mastercard® is issued by The Bancorp Bank, N.A. pursuant to a license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. The 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.