Financial services

Cards and loans to keep your business moving.

From debit cards to fast access to business funding, apply for the financial solutions you need with the payments provider you trust. It all starts with a PayPal Business account.

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Smiling business owner leaning over her list of available coffees and teas, holding a coffee cup
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Fund your next big idea. Invest in your growth. Pay business expenses. Need financial solutions? You’re in the right place.

A debit card that pays you back

The PayPal Business Debit Mastercard® lets you earn unlimited 1% cash back on eligible purchases1—without an annual fee or credit check.2 You can even spend your PayPal balance in stores and online.

Discover the Business Debit Card

A loan that’s repaid with a share of each PayPal sale³

PayPal Working Capital is primarily based on your PayPal Business account history.

  • Approved loans are funded in minutes

  • No credit check

  • Best for businesses that process payments with PayPal

Discover PayPal Working Capital

Minimum eligibility requirements for PayPal Working Capital

PayPal sales

Your business has had a PayPal Business or Premier account for 90 days or more.

Account history

You’ve processed at least $15,000 in PayPal sales in the last 12 months ($20,000 for Premier accounts).

Loan status

Pay off any existing PayPal Working Capital loan before applying for another.

A fixed-term loan with weekly payments

PayPal Business Loan is based on a full picture of your business.

  • Funding as soon as the next business day if approved4

  • Checking eligibility will not affect your consumer credit score5

  • Processing payments with PayPal not required

Discover Small Business Loans

Minimum eligibility requirements for PayPal Business Loan

Revenue

Your business must have an annual revenue of $33,300 or more.

Time in business

You must be in business for at least nine months.

Account status

A PayPal Business account is required.

We love helping businesses grow

919K+
small business loans
$19B+
in US business funding
95%
of surveyed borrowers said they would borrow again*
* Based on PayPal Working Capital and PayPal Business Loan Net Promoter Score Surveys, January - May 2022.

Learn from the experts

Explore helpful articles, case studies, and webinars about financial services that can help your business grow.

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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. Visit the FAQ on the PayPal Business Loan page for more details on 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.
The PayPal Business Debit Mastercard® is issued by The Bancorp Bank, N.A. pursuant to a license by Mastercard International Incorporated. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. This is a debit card linked to your PayPal Balance account and is not a credit card. Card may be used everywhere Mastercard is accepted. The Bancorp Bank, N.A. is issuer of the Card only and not responsible for the associated accounts or other products, services or offers from PayPal.
The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.
1
You'll receive unlimited 1% cash back on purchases when your PayPal Business Debit Mastercard purchase is completed as a credit transaction. Purchases eligible for cash back include transactions processed as credit by Mastercard. Purchases that are not eligible for the cash back include but are not limited to: transactions processed as cash withdrawals, cash advances, quasi-cash transactions or those using a PIN or that the merchant processes via debit network or PIN-less debit. Earned cash back will be added to your PayPal balance weekly. See Cardholder Agreement for complete details.
2
To be considered for a PayPal Business Debit Mastercard, a customer must have a PayPal Business or PayPal Balance account to maintain and use a PayPal balance.
3
Repayment percentage chosen prior to loan funding and applied to each PayPal sale. Minimum payment required every 90 days. See terms and conditions for details.
4
The lender transfers funds as fast as the next business day for applications approved by 5PM ET on bank business days.
5
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.