PayPal Business Loan

Fast and competitively-priced business funding

A term loan with fixed payments based on a full picture of your business.

Competitively-priced small business term loans from $5,000 to $100,000 for first-time borrowers and up to $150,000 for repeat borrowers.Check eligibility         

Fast access to business loans

If your business is eligible¹ to apply and approved for a loan, funds are transferred as fast as the next business day.²

Competitively-priced and transparent

Don’t worry about hidden fees—you pay one, competitively-priced, fixed fee you know when you apply. No late fees, no early repayment fees, and no processing fees.³

Predictable payments

Choose the term and payment that are right for your business and repay automatically with predictable weekly payments. Loan terms range from 17 to 52 weeks depending on your eligibility and loan amount.

Checking eligibility doesn’t impact your consumer credit score

See if your business is eligible without affecting your consumer credit score. Accepting an approved loan offer will trigger credit checks which may impact your consumer credit score.

The lender for PayPal Business Loan is WebBank, Member FDIC.

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 5:00 p.m. Eastern Time on bank business days.

3 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.

How PayPal Business Loan works

What you need to know before you apply.

Watch the video         

Is your small business eligible? Here are the minimum requirements:

  • At least 9 months in business
  • Annual revenue of at least $33,300
  • Owner FICO score of at least 580
Check eligibility         

How to apply for a PayPal Business Loan

Our simple online application makes it easy to check eligibility.

Check Eligibility

Step 1

You’ll be asked to confirm business and contact information. Seeing if your business is eligible will not affect your consumer credit score.1

Step 2

The lender may ask you to upload additional information to complete your application. Most PayPal Business Loan applications do not require any financial documentation.

Step 3

If approved, agree to the loan terms and the lender transfers funds to your PayPal Business account as fast as the next business day.²

1 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.

2 The lender transfers funds as fast as the next business day for applications approved by 5:00 p.m. Eastern Time on bank business days.

Why businesses choose PayPal Business Loan

I was floored by the PayPal Business Loan process. It was so painless. I thought it would take weeks if we were lucky. I couldn't believe how fast and easy it was.

B. Yellowtail

The payback was very reasonable for us. It was quick, and I needed it right then. It really made a difference for our business.

Blackfish Distillery

Results or experiences may not be typical and may vary substantially across businesses.

Since 2013, PayPal has provided access to small business funding

850,000+

loans in the U.S.

$17 billion+

in U.S. business funding

275,000+

small businesses served in the U.S.

97%

of surveyed PayPal Business Loan borrowers said they would use it again¹

1 PayPal Business Loan NPS Borrower Survey, March-February 2022

The PayPal Business Loan difference

Fast, competitively-priced, and transparent. This is not your traditional business funding.

Check eligibility         
PayPal Business LoanTraditional loan
Funding as fast as the next business day¹
One competitive fixed fee
No additional fees²
No credit check to see eligibility³

1 The lender transfers funds as fast as the next business day for applications approved by 5:00 p.m. Eastern Time 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 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.

Frequently Asked Questions

You must complete a 5-10 minute online questionnaire to determine your business’s eligibility. Your application may take longer to complete if your identity cannot be automatically verified.

Once the questionnaire is complete, estimated loan terms can be customized by adjusting the loan amount and duration to compare the costs of financing.

Once you select your desired terms and complete your application, if approved, you will be prompted to electronically sign a contract including bank instructions so that payments can be debited weekly from your business checking account.

Eligibility

Your business’s eligibility, loan offer, and fee are based on an overall assessment of your business’s health. The lender evaluates the credit history of the business owner and the business to determine approvability, the loan amount, and the fee.

Still have questions?

Call our U.S.-based team and we’ll be happy to help.
800-941-5614
Monday through Friday
8AM to 8PM ET
Saturday
11AM to 3PM ET

It takes just minutes to check eligibility with no impact on your consumer credit score.1

Check Eligibility

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.

1 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.

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