Introducing the new
PayPal Business Loan

Fast access to fixed payment loans from
$5,000 to $500,000.

Check Eligibility

Don’t have a PayPal Business account?
Sign up for free today.

Fixed payment loans from $5,000 to $500,000.

See how the PayPal Business Loan makes financing straightforward and simple.


Fast access to cash

Check eligibility in minutes online or over the phone. Complete application, and if approved, funds are transferred as fast as the next business day.*

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Clear, competitive pricing

Pay one, competitively-priced, fixed fee that you know in advance. No late fees, no early repayment fees, and no processing fees.**


Tailored terms

Choose the loan amount and term (13 to 52 weeks based on loan amount) that fit your business needs.

Hassle-free repayment

Predictable weekly payments will be made automatically from your bank account so there are no monthly bills to remember.

Is my business eligible?

Here are some minimum criteria.

PayPal Business account

A PayPal Business account is required. Don’t have one?
Sign up for free.

Time in business

Your business must have at least 9 months in business.

Annual revenue

$42,000 or more in annual total revenue.


Over 500 different industries served. See FAQ.

Applying is simple and easy.

“PayPal Business Loan offered very competitive pricing, and it was a fast and easy process. It was actually terrific because the credit evaluation is so much more effective than traditional banks."

Reuben Canada, Jin+Ja

Results may not be typical and may vary substantially across businesses.

Frequently Asked Questions

You must complete a 5-10 minute online questionnaire to determine your business’s eligibility or by calling a PayPal Business Funding Expert at 1-800-941-5614. Once the questionnaire is complete, estimated loan terms can be customized by adjusting the loan amount and duration to compare the costs of financing.

Once you select your desired terms and completed the application, if approved, you will be prompted to electronically sign a contract that will be emailed to you and includes bank instructions so that payments can be debited weekly from your business checking account.

Speak with our Business Funding Experts.

Our U.S.-based team is available between 9 a.m. and 8 p.m. ET Monday - Friday and between 11 a.m. to 3 p.m. on Saturday.

Call us at 1-800-941-5614.

J.D. Power Logo PayPal Contact Centers has been recognized by J.D. Power for providing "An Outstanding Customer Service Experience" for the Live Phone Channel.

*JD Power 2017 Certified Contact Center Program SM recognition is based on successful completion of an audit and exceeding a customer satisfaction benchmark through a survey of recent servicing interactions. For more information, visit

It takes just minutes to check eligibility.

Check Eligibility

*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 funding is just the beginning.

Open a PayPal Business account and join over 17 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.

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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.

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Help drive higher sales with customer financing

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

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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.

A PayPal Business account is required for the PayPal Business Loan.

Check Eligibility

*PayPal Credit is subject to consumer credit approval by Comenity Capital Bank, the lender for PayPal Credit accounts.

The lender for the PayPal Business Loan is Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC.