Boost your cash flow with a $5,000 business loan.

For a limited time, sign up for a PayPal Business account, process $50,000 in payments, and get pre-selected for a $5,000 business loan, with no credit check. Terms and conditions apply.*

Sign Up with PayPal

Questions? Call 1-855-787-4321.

Want to be pre-selected for a $5,000 business loan?*


Sign up for a first-time PayPal Business account and start processing within 60 days.


Process at least $50,000 in payments and apply for PayPal Working Capital within 240 days.


If approved, your funds will be deposited into your PayPal account automatically.

Jumpstart your business with PayPal Working Capital.

No credit check required

There's no credit check or personal guarantee required, and it does not affect your credit score.

Pay one affordable fixed fee

Say goodbye to periodic interest – all you pay is one affordable fixed fee you know about upfront.

Flexible payments

You automatically repay with a percentage of your sales.** Repayments simply get deducted at the time of each sale.

Working Capital
Credit Card Traditional
Bank Loan
Application time: 5 minutes 20 minutes Hours
Total funding time: < 1 minute 1 week 1 week
Pay with a share of your sales:** X
Monthly billing
Monthly billing
Single, fixed fee: X
Financing fees
Annual fees
Late fees
Utilization fees
Late fees
Periodic interest: None Yes Yes
Credit check: No Yes Yes
Personal Guarantee (PG): No Yes Yes
Pre-payment penalty: No No Yes

Source: PayPal competitive analysis, based on common industry practices

Start processing payments with PayPal now.

The sooner you begin, the closer you’ll be to successfully growing your business.

Sign Up Today

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