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.
If your application is approved, funds are transferred to your PayPal Business account as soon as the next business day.¹
Pay one competitively priced fixed fee you’ll know when you apply. No late fees, early repayment fees, or processing fees.²
Choose a term that’s right for your business and repay automatically with predictable weekly payments.
Quickly see if your business is eligible for a loan without impact to your consumer credit score.⁴
Minimum eligibility requirements:
At least nine months in business
Annual revenue of at least $33,300
A PayPal Business account is required
[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.”
Which business loan option is right for you?
PayPal Business Loan | PayPal Working Capital | |
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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 |
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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 |
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