Find the best business
loan for your business.

Now there are fast and simple ways to fund your business with the PayPal Business Loan and PayPal Working Capital. The first step is to sign up for a PayPal Business account.

Sign Up for a PayPal Business Account

Which business loan is right for your business?

Now you have options when it comes to fast access to cash at a competitive price. Learn more about both types of business loans and how to access the cash your business needs, for the growth you want.

PayPal Business Loan Logo

Loans from $5,000 to $500,000

Best suited for businesses with at least 9 months in business and $42,000+ in annual revenue. A PayPal Business account is required to fund your loan (processing payments with PayPal is optional).

Learn more

PayPal Working Capital Logo

Loans from $1,000 to $125,000

Best suited for existing PayPal customers that have had a PayPal Business account for at least 90 days and have processed $15,000+ with PayPal within the last 12 months.*

Learn more

*To apply for PayPal Working Capital, your business must have a PayPal Business or Premier account for at least 90 days and process between $15,000 (or for Premier accounts $20,000) and $20 million within those 90 days or within any time period less than or equal to 12 months. PayPal sales include processing on PayPal Express Checkout, PayPal Payments Standard, PayPal Payments Pro, and PayPal Here.

Compare our business financing options.

PayPal Business Loan 1

A fixed term loan based on a full picture of your business that you automatically repay with a predictable weekly payment.

  • Funding time: Funding in as fast as the next business day.*
  • Pricing: One competitively-priced, fixed fee that you know in advance.
  • Repayment: Predictable, weekly payments are automatically made from your business bank account.
  • Credit check: Checking eligibility will not affect your credit score.**
Explore PayPal Business Loan Questions? Call us at 1-800-941-5614
Monday – Friday, 9 a.m. – 8 p.m. ET and Saturday, 11 a.m. – 3 p.m. ET.

1 The lender for PayPal Business Loan is WebBank, Member FDIC.

PayPal Working Capital 2

A loan primarily based on your PayPal sales history that you automatically repay with a share of your PayPal sales. (Minimum payment required.)

  • Funding time: Application, approval, and funding take just minutes.
  • Pricing: One affordable fixed fee that you know in advance.
  • Repayment: Repay automatically with a percentage of each PayPal sale until your balance is paid in full. Minimum payment required every 90 days.
  • Credit check: Does not affect your business or personal credit scores.
Explore PayPal Working Capital Questions? Call us at 1-877-981-2128
Monday – Friday, 9 a.m. – 8 p.m. ET.

2 The lender for PayPal Working Capital is WebBank, Member FDIC.

PayPal Business Loan 1

PayPal Working Capital 2

A fixed term loan based on a full picture of your business that you automatically repay with a predictable weekly payment.

  • Funding time: Funding in as fast as the next business day.*
  • Pricing: One competitively-priced, fixed fee that you know in advance.
  • Repayment: Predictable, weekly payments are automatically made from your business bank account.
  • Credit check: Checking eligibility will not affect your credit score.**
Explore PayPal Business Loan Questions? Call us at 1-800-941-5614
Monday – Friday, 9 a.m. – 8 p.m. ET and Saturday, 11 a.m. – 3 p.m. ET.

1 The lender for PayPal Business Loan is WebBank, Member FDIC.

A loan primarily based on your PayPal sales history that you automatically repay with a share of your PayPal sales. (Minimum payment required.)

  • Funding time: Application, approval, and funding take just minutes.
  • Pricing: One affordable fixed fee that you know in advance.
  • Repayment: Repay automatically with a percentage of each PayPal sale until your balance is paid in full. Minimum payment required every 90 days.
  • Credit check: Does not affect your business or personal credit scores.
Explore PayPal Working Capital Questions? Call us at 1-877-981-2128
Monday – Friday, 9 a.m. – 8 p.m. ET.

2 The lender for PayPal Working Capital is WebBank, Member FDIC.

*The lender transfers funds to your PayPal Business account as fast as the next business day if the lender has received the documents the lender asked for and approved the loan by 5:00 p.m. Eastern Time, Monday through Friday (excluding bank holidays).

**Completing the questionnaire will assess your business’s eligibility, allow you to review estimated offers if eligible, and will not impact your credit score. Should you decide to complete the loan application process, credit checks and other public records checks will be performed which may impact your credit score.

Fast business funding is just the beginning.

Open a PayPal Business account and join over 18 million businesses that fuel their business with PayPal.

Get paid wherever you do business

Accept payments online, in store, or on the go. Plus, you can connect your business to over 200 million account holders who trust the PayPal way to pay.

Get paid faster with invoicing

Send customized invoices that your customers can pay quickly online with a credit or debit card, PayPal, or PayPal Credit. Whichever payment method they choose, you receive your money usually in minutes.

Help drive higher sales with customer financing

Offer PayPal Credit* with no additional risk or cost to you. Your customers can use this credit line to get No Interest if paid in full in 6 months on purchases of $99 or more.

Get paid in person or in your store

With the PayPal Here app and your choice of card readers, you can accept chip cards, magstripe cards, and contactless payments like Apple Pay - on the go or in your store.

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*PayPal Credit is subject to consumer credit approval.

The lender for PayPal Business Loan is WebBank, Member FDIC.

The lender for PayPal Working Capital is WebBank, Member FDIC.