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-$100,000 for first-time borrowers and up to $150,000 for repeat borrowers.

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, Member FDIC.
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.

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.

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
Not a fit? Check out PayPal Working Capital, a loan that flexes with your PayPal sales.

This small business loan can help take your company further

94 %
were satisfied with the response time for approval.
78 %
whose revenue grew thought that PayPal Business Loan helped increase it.
55 %
surveyed borrowers believe their business’s profit margin improved due to the most recent PayPal Business Loan.
Data based on the PayPal Business Loan Growth Survey of Borrowers, December 2021.

How to apply for a PayPal Business Loan

Check eligibility in minutes

Most applications do not require any financial documentation.

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.

Choose your term

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

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.

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?

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.

PayPal Business Loan FAQ

Discover more financial services

Working Capital
 
Business Debit Card
 
Business Credit Card
 
Business Resource Center
 

We support businesses 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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The lender for PayPal Business Loan is WebBank, Member FDIC. PayPal Business Loan is not currently available to businesses located in North Dakota or South Dakota.
The lender for PayPal Working Capital is WebBank, Member FDIC. PayPal Working Capital is currently unavailable to businesses located in North Dakota, South Dakota, Virginia. State eligibility is subject to change. Please continue to check back to see if businesses located in your state become eligible for PayPal Working Capital.