PayPal Business Loan
PayPal Business Loan Claimed

PayPal Business Loan

SuperMoney Net Recommendation Score -15  


This product is mostly not recommended by SuperMoney users with a score of -15, equating to 2.7 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Mostly not recommended

Explore a similar product
Try this top product in Business Loans.
Finance Factory Unsecured Start-up Loans
Finance Factory Unsecured Start-up Loans

Rating not yet determined  

4 reviews
Community Rating Mostly not recommended
Loan Amount $5,000 - $500,000
APR  (Fixed APR) N/A
Loan Term (Months) 3 - 13 months
Number of Reviews 72

PayPal Business Loan Review

PayPal Working capital is a business financing offering by PayPal Inc, based in San Jose, CA. Founded in 1999, PayPal Inc offers access to small business loans in 50 states (and Washington, DC).

PayPal Working capital FAQ

What are PayPal Working capital’s rates?

PayPal Working capital offers a fixed APR business financing product but they do not disclose their rates.

Does PayPal Working capital charge an origination fee?

No, PayPal Working capital 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.

What limitations does PayPal Working capital set on the purpose of the business loan?

PayPal Working capital considers business loan applications for business purposes, such as:

  • Equipment Purchase
  • Inventory
  • Marketing
  • Payroll
  • Product or Service Expansion
  • Technology Investment
  • Working capital

What types of small business loans does PayPal Working capital offer?

Not all small business loans are made equal. The type of business loan you choose will determine the range of interest rates and terms you receive. PayPal Working capital provides access to the following business loan types:

  • Secured Term Business Loans

Does PayPal Working capital charge a late fee?

No, PayPal Working capital will not charge you a late fee. However, it does charge a $20 fee if a payment is returned due to non-sufficient funds.

Does PayPal Working capital charge prepayment fees?

No, PayPal Working capital 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 PayPal Working capital?

Business loan amounts start at $5,000 and go up to $500,000.

What is the maximum business loan term you can get with PayPal Working capital?

PayPal Working capital offers small business loans with terms ranging from 3 to 13 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 PayPal Business Loan?

PayPal Business Loan requires companies to be in business for at least 9 months. Businesses must have a minimum annual revenue of $42,000 to be considered.

Applicants with a credit score of at least 560 and up to 850 may be eligible for PayPal Business Loan. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via PayPal Business Loan. Their rates fall within the limits of The Military Lending Act.

U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by PayPal Business Loan.

To qualify, applicants may need to provide the following documentation:

  • Proof of income
  • Business formation documents
  • Driver's license
  • Proof of identity
  • U.S. tax identification number

What is the estimated funding time for a business loan via PayPal Working capital?

PayPal Working capital can approve (or deny) a business loan application within 1 hour and fund small business loans within 0 business day of approval.

Does PayPal Business Loan report your account activity to credit bureaus?

Yes, PayPal Business Loan reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

SuperMoney Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From PayPal Working capital

WebBank is an FDIC insured, state-chartered industrial bank headquartered in Salt Lake City, Utah. It was organized under the laws of the State of Utah in 1997 and operates under federal banking law. Through our industrial bank charter, WebBank offers a wide variety of products either directly to our consumer customers via savings accounts and time deposits, or through our Strategic Partnerships, providing niche financing solutions to businesses and consumers.

PayPal Working Capital is based on your PayPal sales history, so you receive an amount that fits your business. There’s no credit check when you apply, so there’s no effect on your credit score.

Message From Our Editor

What We Love About PayPal Working Capital Loans

PayPal Working Capital is one of the simplest, quickest ways to fund a business with capital. Those who use PayPal as a payment portal can apply for a loan based solely on their transaction and relationship history with PayPal over time. This funding will be approved instantly, with only a few questions required, such as how much the borrower actually wants (based on pre-approved amounts offered by PayPal), and if they agree to repay the funds out of their sales transactions. Most accounts are funded instantly, too.

What Could PayPal Working Capital Do Better?

The options for PayPal’s working capital loans are quite limited. For example, one borrower was only given the option to borrow two different small amounts. The repayment terms are also set in stone. Borrowers won’t be able to negotiate paying less on the repayment or taking longer to get it paid off-- a certain percentage is taken from each sale until the loan is repaid, starting within the first seven days.

PayPal Working Capital Backstory

PayPal launched its Working Capital branch in 2013 as a way to help small businesses get fast access to capital so that they could continue to grow. The company has provided over $1 billion in funds to more than 60,000 small businesses in the U.S., UK, and Australia since it began. PayPal remains one of the primary financial solutions for small businesses in these countries and elsewhere around the world.

The Verdict

PayPal Working Capital is quick and easy if that’s what you need. You won’t have the flexibility in repayment terms or negotiations like you might with some lenders, but then when you need quick capital, leverage isn’t really important. All in all, we give this one a win for the quick cash and hassle-free repayment (PayPal just takes the money from your transactions as they happen, so you don’t even notice you’re repaying the loan).


  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Application Fee $0
Late Fee Amount $0
No Origination Fee
No Prepayment Fee
Origination Fee (%) Starting at 0%
Returned Payment Fee $20
Business Financing Requirements
  • Personal Guarantee
  • Business Certificate
  • Business License
  • Business Bank Account
Credit Score Range 560 - 850
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Minimum Age 18
Minimum Months in Business 9
Minimum Revenue $42,000
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Income
  • Proof of Identity
  • Business Formation Documents
  • U.S. Tax Identification Number
  • Social Security Number
  • Business Tax Return
Business Loan Type Secured Term Loan
Collateral Requirement
  • Secured
Intended Use of Funds
  • Equipment Purchase
  • Product or Service Expansion
  • Working Capital
  • Inventory
  • Payroll
  • Technology Investment
  • Marketing
Approval Speed 1 hour
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Funding Time Range 0 - 7 days
Payment Frequency Weekly
Payment Options Automatic Payments
APR Type Fixed APR
Loan Amount $5,000 - $500,000
Loan Term 3 - 13 months

PayPal Business Loan Community Reviews


Would you recommend PayPal Business Loan to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)


This product is mostly not recommended by SuperMoney users with a score of -15, equating to 2.7 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

sorted by

PayPal Inc Business Loans