Get paid. Get growing. Get ahead.
Do more with the platform designed to power commerce.
Loans from $5,000 to $200,000 can be yours as soon as the next business day after approval.2
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.
Repeat borrowers can qualify for loans up to $300,000. Renew early to keep your business moving forward.
Minimum eligibility requirements:
At least nine months in business
Annual revenue of at least $33,300
A PayPal Business account is required
Check eligibility in minutes
This is an invitation to apply and not an offer or commitment to provide capital. Applicants must satisfy certain requirements to be eligible.5
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.2
— Tasia Ford, co-owner, Big Red’s Hot Sauce
| 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 |
|
|
| 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 |
Get fast, flexible funding to power your growth with the PayPal Business Loan. Apply in minutes and get a decision quickly.1