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Funders make the credit decisions. We compare their offers and show you what each one costs. Funders pay us when a deal funds, never you upfront.

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Lender profile

PayPal

Payment platform Checked Sep 30, 2026
PayPal offers 2 business loans issued by WebBank: PayPal Working Capital, repaid from a share of PayPal sales for a single fixed fee, and PayPal Business Loan, with fixed weekly payments over 17 to 52 weeks. Working Capital decisions rest mainly on PayPal account history, while the Business Loan asks for annual revenue of at least $33,300 and a business at least 9 months old.
Visit paypal.com/us/business/financial-services Compare with similar funders
Heads up. Both loans are unavailable to businesses in North Dakota and South Dakota. Working Capital needs a PayPal Business or Premier account open 90 days or more and at least $15,000 to $20,000 in annual PayPal sales, depending on account type.

The open book

What PayPal publishes, and what it doesn't

4 of 9 things a business owner needs to compare offers are on its website.

Published

Amounts
$1K–$250K
Minimum credit score
Not published
Minimum time in business
9 months
Minimum monthly revenue
Not published
Speed, in its words
Within minutes, if approved (Working Capital)

The ledger

  • Funding amounts
  • Minimum time in business
  • Funding speed
  • Fees
  • Minimum credit score Not published
  • Minimum revenue Not published
  • Price (rate or factor) Not published
  • Term length Not published
  • Excluded industries Not published
Loosest published figure across its products, from its own website. Details by product below.

By product

PayPal's products, as published

Open “Sources” under any product to see the exact wording and the page it came from.
Price not published
Amounts
$5K–$200K
Price
Not published
Term
Not published
Repayment
Weekly
Minimums
Credit n/p · Time in business 9 months · Revenue n/p
Speed
As soon as the next business day, if approved
Fees
A Total Loan Fee, described as one fixed fee paid over the life of the loan (no amount or APR published), plus a $20 Returned Item Fee charged only if a payment is returned. No late fees and no early repayment fee.
Not available in
North Dakota, South Dakota
Collateral
Not required
Sources (11)
Price not published
Amounts
$1K–$250K
Price
Not published
Term
Not published
Repayment
Variable
Minimums
Credit n/p · Time in business n/p · Revenue n/p
Speed
Within minutes, if approved
Fees
A single fixed fee known before signing; no periodic interest, no late fees and no early repayment fee. No fee amount or percentage is published.
Not available in
North Dakota, South Dakota
Sources (8)

Similar funders

Funders offering the same products

Backd Business Funding

Not stated
$10K–$2M650+ creditNo price

Big Think Capital

Broker
$10K–$5M550+ creditPrice published

Birkin Capital

Not stated
Up to $2MCredit n/pNo price

Bitty Advance

Not stated
Not published500+ creditNo price

Biz2Credit

Direct funder
$25K–$2M575+ creditNo price

BlueBridge Funding

Broker
$50K–$200K550+ creditNo price

Head-to-heads

PayPal vs Square Loans

Pages we read

  1. https://www.paypal.com/us/business/financial-services
  2. https://www.paypal.com/us/business/financial-services/working-capital-loan
  3. https://www.paypal.com/us/business/financial-services/small-business-loan
Spotted something out of date? Funders and owners can send a correction with a link to where it's published. Listing PayPal here doesn't mean it works with Openbook.

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