Last Updated: 02/23/2026
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Highlights
Amount Range
$5,000 - $50,000
APR (Fixed APR)
6.49% - 99%(Verified 06/21/2024)
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Loan Term (Months)
3 - 12
LoanBuilder Review
LoanBuilder is a business financing offering by PayPal Inc, based in San Jose, CA. Founded in 1998, PayPal Inc offers access to small business loans in 50 states (and Washington, DC).
LoanBuilder FAQ
What are LoanBuilder rates?
LoanBuilder offers a fixed APR business financing product that ranges from 6.49% APR up to 99% APR.
Does LoanBuilder charge an origination fee?
No, LoanBuilder does not charge a loan origination fee. A loan origination fee is what some lenders charge for processing, underwriting, and funding a business loan. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.
Does LoanBuilder charge prepayment fees?
No, LoanBuilder does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the business loan off early.
How much can you borrow from LoanBuilder?
Business loan amounts start at $5,000 and go up to $50,000.
What is the maximum business loan term you can get with LoanBuilder?
LoanBuilder offers small business loans with terms ranging from 3 to 12 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.
What do you need to qualify for LoanBuilder?
LoanBuilder requires companies to be in business for at least 9 months. Businesses must have a minimum annual revenue of $3,500 to be considered.
Applicants with a credit score of at least 550 and up to 850 may be eligible for LoanBuilder. U.S. citizens are eligible to apply for the services offered by LoanBuilder.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- Proof of identity
What is the estimated funding time for a business loan via LoanBuilder?
LoanBuilder can fund small business loans as soon as 1 business day.
Does PayPal Inc perform a hard credit pull?
Yes, LoanBuilder performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
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