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.

A woman wearing glasses and a necklace examines a colorful print on a table in an art studio, surrounded by art supplies.

PayPal Open tools for now and what’s next

Keep your business moving

Apply for loans or a debit card in just a few steps and get quick decisions to help fuel your next move.

Optimize your cash flow

Make the most of your daily spending with cash back rewards. And easily manage your short- and long-term capital needs.

Scale your business confidently

Tap into financial solutions that grow with you. From first funding to future growth, we’re ready when you are.

1M +
1M +
small business loans awarded in the US since 20131
$22B
$22B
in US business funding distributed since 20131
97 %
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

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

Fast access to cash and rewards

Get instant access to your PayPal funds and earn cash back.

  • Earn 1% cash back on eligible purchases6

  • Get your digital card in minutes, if approved7

  • Pay anywhere Mastercard® is accepted

Get smarter. Grow faster.

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PayPal Open

One platform

for all business

Get paid. Get growing. Get ahead.

Do more with the platform designed to power commerce.