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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.

Check Eligibility



Small Business Loans

 * Check Eligibility

Small Business Loans

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 * Check Eligibility


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.
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

Check Eligibility
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 %
of surveyed borrowers were satisfied with the response time for approval.

78 %
of surveyed borrowers whose revenue grew thought that PayPal Business Loan
helped increase it.

55 %
of 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

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?

Compare financing optionsPayPal Business Loan PayPal Working Capital Loan amount
$5,000 - $100,000 (up to $150,000 for repeat borrowers) $1,000 - $150,000 (up to
$250,000 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 approved Minimum eligibility requirements
 * Annual revenue of at least $33,300
 * Business is at least nine months old
 * A PayPal Business account is required

 * Have a PayPal Business or Premier account for at least 90 days
 * Processed at least $15,000 in PayPal sales in the last 12 months ($20,000 for
   Premier accounts)
 * No outstanding PayPal Working Capital loan

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 loan³ No hidden fees and no late fees
Check your eligibility  
Learn more  

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


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.




IF APPROVED, HOW DO I GET THE FUNDS?



If approved, funds are transferred as fast as the next business day (provided
the application is approved by 5:00 PM ET on bank business days).


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



Answering questions and evaluating different estimated loan terms will not
affect your consumer credit score. Accepting an approved loan offer will trigger
credit checks and other public record checks, which may impact your consumer
credit score.


DOES PAYPAL BUSINESS LOAN REQUIRE A PERSONAL GUARANTY?



Like most small business loans, PayPal Business Loan does require a personal
guaranty.


HOW LONG OF A TERM CAN I APPLY FOR?



Loan durations range from 17 to 52 weeks, depending on your eligibility and loan
amount.


HOW DO I REPAY A PAYPAL BUSINESS LOAN?



PayPal Business Loan has weekly payments that are withdrawn from your business's
bank account automatically. You provide account information and select your
preferred payment day when you sign the loan contract. Automatic repayment will
occur weekly on a day you choose. You won’t be able to adjust how often a
payment is made.


HOW IS THE FIXED FEE PAID?



There is no upfront fee deducted from your loan proceeds. Instead, the single
fixed fee (Total Loan Fee) is paid over the life of the loan.


IS PAYPAL BUSINESS LOAN AVAILABLE TO BUSINESSES LOCATED IN ALL STATES?



No. PayPal Business Loan is currently unavailable to businesses located in
Nevada, North Dakota, and South Dakota. Please continue to check back to see if
PayPal Business Loan becomes available in your state.


WANT FAST, COMPETITIVELY PRICED FUNDING?



PayPal Business Loan is a fixed-term small business loan based on a full picture
of your business.

Check Eligibility
Call our US-based team for help 800-941-5614
Monday - Friday, 8AM to 8PM ET
Saturday 11AM to 3PM ET



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. PayPal Business Loan is
currently unavailable to businesses located in certain states. Check out the FAQ
above for more details on PayPal Business Loan availability.
The lender for PayPal Working Capital is WebBank. PayPal Working Capital is
currently unavailable to businesses located in certain states. Visit the FAQ on
the PayPal Working Capital page for more details on availability.