Small Business Loans — Funding to Move You Forward, Faster — Applying for a Small Business Loan with PayPal Takes Minutes

Summary

PayPal web page promoting small business loans of $5,000 to $200,000 (up to $300,000 for repeat borrowers), with funds available as soon as the next business day after approval. It says loan terms range from 17 to 52 weeks with automatic weekly payments, and cites a customer survey: 79% say revenue increased or stayed the same, 81% maintained or increased profit margin, and 88% are satisfied with ease of applying. A comparison table sets the PayPal Business Loan (annual revenue of at least $33,300, business at least nine months old) against PayPal Working Capital ($1,000 to $250,000, up to $400,000 for repeat borrowers, repaid as a percentage of PayPal sales). Tasia Ford, co-owner of Big Red's Hot Sauce, is quoted.

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Small business loans

Funding

to move you

forward, faster

Applying for a small business loan with PayPal takes minutes. Borrow $5,000 to $200,000 (up to $300,000 for repeat borrowers), get a quick decision, and put funds to work where they matter most. 1

Apply Now

Get in touch, 1-800-941-5614 .

Not your traditional

business funding

No lengthy paperwork. No trips to the bank. Check your eligibility in minutes and get funding as soon as the next business day. 2

Quick access to funds

Your time is valuable. Loans from $5,000 to $200,000 (up to $300,000 for repeat borrowers) can be available to you as soon as the next business day after approval. 2

Predictable, fixed payments

No hidden costs, no surprises. 3 Set your term, 4 then budget with confidence while automatic weekly payments keep everything on track.

Funding tailored to your business

Access funding designed for your unique business profile to support where you are today and where you’re headed next.

79 %

79 %

of customers surveyed say revenue increased or stayed the same after accepting the loan 5

81 %

81 %

of customers surveyed maintained or increased profit margin since accepting the loan 5

88 %

88 %

of customers surveyed are satisfied with ease of applying for a PayPal Business Loan 5

Funding for where

you need it most

Use your funding to grow, operate, and move your business forward.

Stock up on inventory

Stock up on what's selling so you’re ready for busy season.

Increase your budget

Handle expenses, keep cash moving, and don’t get caught off guard.

Invest in growth

Launch new products, reach more customers, all on your timeline.

Prepare for the unexpected

Create a cash cushion to cover unplanned costs with confidence.

How to get a small

business loan

Complete a quick application

Apply in minutes with a quick online application. To better understand your business, we may ask you to share bank transaction history. No hard credit check unless you proceed with funding. 1

Choose a term with confidence

Loan terms range from 17 to 52 weeks, 4 so you can borrow within a timeline that works for you and have a clear end point.

Put funds to work right away

If approved, agree to the loan terms. Receive funds in your PayPal business account as soon as the next business day, so they’re available to use when you need them. 2

Real stories. Real results.

"I didn't have to jump through any hoops. Payments are automatic and I even got to choose the day."

— Tasia Ford, co-owner, Big Red’s Hot Sauce

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Explore more funding options

Compare all of our financing options to find the one that best fits your needs today.

Explore more funding options

PayPal Business Loan | PayPal Working Capital
Loan amount | $5,000 to $200,000
(up to $300,000 for repeat borrowers) | $1,000 to $250,000 (up to $400,000 for repeat borrowers)
Time to receive funds | Check eligibility 1 and, if approved, get funding as soon as the next business day 2 | Get funding in minutes if approved 1
Small business loan eligibility requirements | Annual revenue of at least $33,300 Business is at least nine months old A PayPal business account is required | Have a PayPal business or Premier account for at least 90 days Processed at least $15,000 in PayPal sales in the last 12 months ($20,000 for Premier accounts) Paid off any existing PayPal Working Capital loans (unless you’ve been invited to refinance early)
Credit check | Requires personal and business credit checks. Based on the full picture of your business. | No personal credit check. Based primarily on your PayPal account history.
Repayment | Weekly fixed payments are automatically made from your business bank account | Repaid as a percentage of your PayPal sales; minimum repayment every 90 days
One fixed fee that’s paid over the life of the loan 3 | Yes | Yes
Late fees and hidden fees | No | No
Apply Now | Learn More

Get ready to grow

Working capital

Business debit card

Online checkout

POS system

PayPal Payouts

Installment payments

Invoicing

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Frequently asked questions

PayPal Open

Turn fast funding

into what’s next

Get the money your business needs to move forward with confidence.

Apply Now

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