The PayPal Working Capital business loan is primarily based on your PayPal account history.1 Apply for $1,000 to $200,000 (and up to $300,000 for repeat borrowers) with no credit check.2
You choose a share of your sales to automatically deduct as payments, so managing your cash flow is easier. Minimum payment required.3
Don’t worry about periodic interest or hidden fees—you pay just one competitively priced fixed fee.
Since loans are based on your PayPal account history, there’s no credit check or impact on your credit score.
Short and easy application. No check of your financial history. Approved loans are funded in minutes.
Minimum eligibility requirements:
Your business has had a PayPal Business or Premier account for 90 days or more
You process at least $20,000 in annual PayPal sales if you have a Premier account, or at least $15,000 in annual PayPal sales if you have a PayPal Business account
Pay off any existing PayPal Working Capital loan
I had funding within minutes, and I found it convenient. There’s no complicated math. You know how much you’re getting and how you have to pay it back.”
Which business loan option is right for you?
PayPal Working Capital | PayPal Business Loan | |
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Loan amount | $1,000 to $200,000 (up to $300,000 for repeat borrowers) | $5,000 to $100,000 (up to $150,000 for repeat borrowers) |
Time to receive funds | Get funding in minutes if approved | Check eligibility and, if approved,6 get funding as soon as the next business day7 |
Minimum eligibility requirements |
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Credit check | No credit check because the loan is based on your PayPal account history | Requires credit checks because the loan is based on a full picture of your business |
How the loan is paid back | Repaid as a percentage of your PayPal sales; minimum repayment every 90 days | Weekly fixed payments are automatically made from your bank account |
One fixed fee that’s paid over the life of the loan8 | ||
No hidden fees and no late fees | ||
Apply Now | Learn More |
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