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PayPal Business Loan


FAST AND COMPETITIVELY-PRICED BUSINESS FUNDING

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

Check Eligibility

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

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 2021 - February 2022


THE PAYPAL BUSINESS LOAN DIFFERENCE

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

Check eligibility         

PayPal Business LoanTraditional loanFunding 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


HOW DOES PAYPAL BUSINESS LOAN WORK?

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.


WHAT DOCUMENTATION IS REQUIRED TO COMPLETE THE APPLICATION PROCESS?


IF APPROVED, HOW DO I GET THE FUNDS?


WILL EXPLORING MY PAYPAL BUSINESS LOAN OPTIONS AFFECT MY CONSUMER CREDIT SCORE?


DOES THE PAYPAL BUSINESS LOAN REQUIRE A PERSONAL GUARANTEE?


HOW LONG OF A TERM MAY I APPLY FOR?


HOW DO I REPAY A PAYPAL BUSINESS LOAN?


HOW IS THE FIXED FEE PAID?


ELIGIBILITY


HOW ARE MY ELIGIBILITY, LOAN AMOUNT, AND FEE DETERMINED?

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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