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PayPal Working Capital

From paying friends to saving money or getting cash back when you shop, explore what the new PayPal app has to offer.

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PayPal Credit: Your Reusable Credit Line | PayPal US

PayPal Credit is a reusable line of credit built into your account. Shop with confidence and get access to special financing offers at thousands of stores.

Discussions

Anyone have experience with PayPal Working Capital Loan?

It really depends how cheap you can get the money, and how quickly you need to pay it back. You say there is a one time fee of 50-500, but how big of a loan is that? A kabbage loan would cost about 2200 for a 20k loan. I would do it if i needed to purchase new inventory and was pretty confident I would make my money back pretty quickly. There has to be some fees involved tho. Paypal wont give you money for free.

More on reddit.com

r/Entrepreneur

12

4

September 25, 2011

Anyone know rates on Paypal Loans (see these Shopify & Stripe Loan offers)?

Does anyone know what kind of rates Paypal is charging right now and what the estimated payback terms are? Also would love to see what kind of offers people get from Square Small Business loans. More on reddit.com

r/smallbusiness

4

1

August 22, 2022

Has anyone tried the PayPal business loans?

Did it - once. Effective percentage is actually pretty steep, masked with a fair amount of doubletalk. I’d bet it’s quite profitable for them. Do the math carefully - the convenience is costly... More on reddit.com

r/Entrepreneur

11

0

September 6, 2018

PAYPAL WORKING CAPITAL

PayPal has pulled back on their working capital advance approvals. In 2022 6 months in they funded 1.4b, the first 6 months of this year it’s only 774m More on reddit.com

r/smallbusiness

7

1

February 29, 2024

People also ask

How does PayPal Business Loan work?

You must complete a 5-10 minute online questionnaire to determine your business’s eligibility. Your application may take longer to complete if your identity cannot be automatically verified. 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 complete your application, if approved, you will be prompted to electronically sign a contract including bank instructions so that payments can be debited weekly from your business checking account.

paypal.com › us › business › financial-services › small-business-loan

Business Loans | SMB Loans | PayPal US

How do I repay a PayPal Business Loan?

PayPal Business Loan has weekly payments that are withdrawn from your business's bank account automatically. You provide account information and select your preferred payment day when you sign the loan contract. Automatic repayment will occur weekly on a day you choose. You won’t be able to adjust how often a payment is made.

paypal.com › us › business › financial-services › small-business-loan

Business Loans | SMB Loans | PayPal US

Can I choose whether I get a PayPal Credit Card or a PayPal Credit digital line?

No. If approved, you’ll get either a PayPal Credit Card or a PayPal Credit digital line based on your credit history.

paypal.com › us › digital-wallet › ways-to-pay › credit-services › paypal-credit

PayPal Credit: Your Reusable Credit Line | PayPal US

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paypal.com › us › business › financial-services › small-business-loan

Business Loans | SMB Loans | PayPal US

Yes, you can make a one-time payment ... repayment fee. Simply log in to your PayPal Business Loan portal account and select the “One-Time Payment” tab from the top menu to set up your payment....

paypal.com › us › money-hub › article › what-are-online-loans

What Are Online Loans? | PayPal US

January 6, 2024 - Review loan rates and terms: Compare loan terms and select the lender that offers repayment periods and interest rates that align with the applicant’s needs. Apply online: Go through the full application process.

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Financial Services | Business Financial Solutions | PayPal US

Apply for loans or a debit card in just a few steps and get quick decisions to help fuel your next move. Make the most of your daily spending with cash back rewards. And easily manage your short- and long-term capital needs. Tap into financial solutions that grow with you. From first funding to future growth, we’re ready when you are. ... Keep your business moving forward with quick funding and predictable payments. ... Get instant access to your PayPal funds and earn cash back.

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paypal.com › us › business › financial-services › working-capital-loan

Working Capital Loan for Businesses | PayPal US

Receive the funds in your PayPal account within minutes. Repay automatically with a percentage of each sale until your balance is paid in full (minimum payment required every 90 days). You can also make manual payments or even pay the loan in full with no early repayment fee, using your PayPal balance or a linked bank account.

synder.com › blog › business › paypal business loans: a comprehensive overview

PayPal Business Loans: A Comprehensive Overview

July 14, 2025 - Businesses can apply online through their PayPal accounts, saving time and effort. The required documentation typically includes basic business information, financial statements, bank statements, and tax returns.

paypal.com › us › money-hub › article › apply-for-line-of-credit

How to apply for a line of credit | PayPal US

July 4, 2023 - Learn about lines of credit and how you can apply for one online. See our basic guide to line of credit applications here.

reddit.com › r/entrepreneur › anyone have experience with paypal working capital loan?

r/Entrepreneur on Reddit: Anyone have experience with PayPal Working Capital Loan?

September 25, 2011 -

So I got a call from paypal today telling me based on my sales volume I was eligible for a Paypal working capital loan. Basically they will offer me an interest free loan and pay themselves back a set percentage (I decide that percentage) directly from my sales. So if I make $1000 in sales a day lets say they automatically take 15 points till repaid. There is a one time fee on a sliding scale that ranges from $50-500.

Its interesting i received this call because Ive had expansion on my mind. Let me know if any of you have any experience with this.

It really depends how cheap you can get the money, and how quickly you need to pay it back. You say there is a one time fee of 50-500, but how big of a loan is that? A kabbage loan would cost about 2200 for a 20k loan. I would do it if i needed to purchase new inventory and was pretty confident I would make my money back pretty quickly. There has to be some fees involved tho. Paypal wont give you money for free.

I took out 2 Amazon loans before. Both for 30,000 and I paid back 30,900 over 90 days. Helped a ton. I also had a chance at a Kabbage loan for 30,000 and needed to pay back 36,000 over 6 months with 27,000 being paid back in the first 3 months. I passed on that loan. This Paypal program is looking interesting to me now.

paymentcloudinc.com › blog › business funding › paypal working capital & business loans: pros, cons, & requirements

PayPal Working Capital & Business Loans: Pros, Cons, & Requirements

April 8, 2025 - Yes. PayPal performs credit checks before offering finance to customers. Merchants can use PayPal’s loan eligibility checker online to assess eligibility without affecting their credit score.

sosloans.com › blog › post › SOS-Personal-Loan-Payment-Options-Using-PayPal

PayPal Payment Options for a Your SOS Personal Loan

August 20, 2025 - S.O.S. Loans now offers customers the ability to make loan payments through PayPal. PayPal allows customers with a verified PayPal account to make their SOS personal loan payments using Visa, Master Card, American Express, Discover and even ...

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You need to enable JavaScript to run this app · If you accept cookies, we’ll use them to improve and customize your experience and enable our partners to show you personalized PayPal ads when you visit other sites. Manage cookies and learn more · Accept · Decline · Close

cnbc.com › cnbc select › small business › here are the 5 best working capital loans for small businesses

Here are the 5 best working capital loans for small businesses

January 1, 2025 - Term loans are available from $5,000 to $250,000 with repayment periods of 12 to 24 months. OnDeck also offers revolving business lines of credit as an alternative lending option.

lendedu.com › blog › can-you-borrow-money-from-paypal

Can You Borrow Money From PayPal? A Look at Your Options and the Best Alternatives - LendEDU

November 14, 2025 - Instead, you can finance purchases with PayPal’s buy now, pay later option; pay online with a PayPal Credit digital line; or—new in summer 2025—make purchases online or in person with a PayPal Credit Card.

reuters.com › business › kkr-buy-up-754-billion-paypals-european-bnpl-loans-renewed-deal-2025-11-17

KKR to buy up to $75.4 billion of PayPal's European BNPL loans in renewed deal | Reuters

November 17, 2025 - The new deal, which includes a replenishing loan commitment of up to 6 billion euros, builds on an existing tie-up announced in June 2023, under which KKR's credit funds and accounts have been buying most of PayPal's European BNPL receivables. Sign up here. BNPL products have gained ground among consumers in recent years, particularly among millennials and Gen Z who are drawn to short-term credit. Usage has spiked across major markets as online ...

forbes.com › advisor › business-loans › paypal-working-capital-review

PayPal Working Capital Business Loans Review 2025: Financing With No Credit Check

PayPal Working Capital Business Loans

PayPal working capital loans offer funds to businesses with a flat fee. Read our PayPal working capital loan review for an expert take on the product. PayPal Working Capital Loans can provide funding for operations, expenses and new investments. We like that PayPal Working Capital Loans don’t require a credit check; instead, PayPal reviews your account history with the company for approval.

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PayPal: Send Money, Pay Online or Set Up a Merchant Account

Transfer money online in seconds with PayPal money transfer. All you need is an email address.

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PayPal Loan Approval Criteria For Business Accounts

Are loans taken by out tribal governments automatically guaranteed under Federal government's credit (AAA S&P rating?); ... PayPal considers all received payments sales EXCEPT transfers from your linked accounts and personal payments so if you are transferring money from one account to the other, that will not be considered a sale. If you can invoice or have customers pay through PayPal, that will count.