Financial services

Cards and loans to keep your business moving.

From debit and credit 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.

Fund your next big idea. Invest in your growth. Pay business expenses. Need financial solutions? You’re in the right place.

Reward your business with cash back cards

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.

Boost your spending power

Earn unlimited 2% cash back on purchases³ with the PayPal Business Cashback Mastercard credit card. No earning caps, categories, or annual fee.⁴

Fast funds for whatever’s next

A loan that’s repaid with a share of each PayPal sale⁵

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

Minumum 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 approved⁶
  • Checking eligibility will not affect your consumer credit score⁷
  • Processing payments with PayPal not required

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

850K +
small business loans
$17B +
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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