Financial services

Cards and loans to keep your business moving.

From debit and credit cards to fast access to business funding, apply for the financial solutions you need with the payments provider you trust. It all starts with a PayPal Business account.

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A businesswoman packaging her wares, illustrating a thriving business made possible by a small business loan
Business Debit Card
 
Business Credit Card
 
PayPal Working Capital Loan
 
PayPal Business Loan
 

Fund your next big idea. Invest in your growth. Pay business expenses. Need financial solutions? You’re in the right place.

Reward your business with cash back cards

A debit card that pays you back

The PayPal Business Debit Mastercard® lets you earn unlimited 1% cash back on eligible purchases¹—without an annual fee or credit check.² You can even spend your PayPal balance in stores and online.

More about the business debit card  

Boost your spending power

Earn unlimited 3% cash back on all PayPal purchases and 2% cash back on everything else3 with the PayPal Business Cashback Mastercard credit card. No caps, no limits.4

More about the business credit card  

Fast funds for whatever’s next

A loan that’s repaid with a share of each PayPal sale⁵

PayPal Working Capital is primarily based on your PayPal Business account history.

  • Approved loans are funded in minutes
  • No credit check
  • Best for businesses that process payments with PayPal
More about PayPal Working Capital  

Minimum eligibility requirements for PayPal Working Capital

PayPal sales

Your business has had a PayPal Business or Premier account for 90 days or more.

Account history

You’ve processed at least $15,000 in PayPal sales in the last 12 months ($20,000 for Premier accounts).

Loan status

Pay off any existing PayPal Working Capital loan before applying for another.

A fixed-term loan with weekly payments

PayPal Business Loan is based on a full picture of your business.

  • Funding as soon as the next business day if approved⁶
  • Checking eligibility will not affect your consumer credit score⁷
  • Processing payments with PayPal not required
More about small business loans  

Minimum eligibility requirements for PayPal Business Loan

Revenue

Your business must have an annual revenue of $33,300 or more.

Time in business

You must be in business for at least nine months.

Account status

A PayPal Business account is required.

We love helping businesses grow

919K +
small business loans
$19B +
in US business funding
95 %
of surveyed borrowers said they would borrow again*
* Based on PayPal Working Capital and PayPal Business Loan Net Promoter Score Surveys, January - May 2022.

Learn from the experts

Explore helpful articles, case studies, and webinars about financial services that can help your business grow.

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The lender for PayPal Business Loan is WebBank. PayPal Business Loan is currently unavailable to businesses located in certain states. Visit the FAQ on the PayPal Business Loan page for more details on availability.
The lender for PayPal Working Capital is WebBank. PayPal Working Capital is currently unavailable to businesses located in certain states. Visit the FAQ on the PayPal Working Capital page for more details on availability.
The PayPal Business Cashback Mastercard is issued by WebBank pursuant to a license by Mastercard International and serviced by Concerto Card Company. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. PayPal Business Cashback Mastercard is currently unavailable to businesses located in certain states. Visit the FAQ on the PayPal Business Cashback Mastercard page for more details on availability.
The PayPal Business Debit Mastercard® is issued by The Bancorp Bank, N.A. pursuant to a license by Mastercard International Incorporated.  Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. This is a debit card linked to your PayPal Balance account and is not a credit card. Card may be used everywhere Mastercard is accepted. The Bancorp Bank, N.A. is issuer of the Card only and not responsible for the associated accounts or other products, services or offers from PayPal.
The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.
1
You'll receive unlimited 1% cash back on purchases when your PayPal Business Debit Mastercard purchase is completed as a credit transaction. Purchases eligible for cash back include transactions processed as credit by Mastercard. Purchases that are not eligible for the cash back include but are not limited to: transactions processed as cash withdrawals, cash advances, quasi-cash transactions or those using a PIN or that the merchant processes via debit network or PIN-less debit. Earned cash back will be added to your PayPal balance weekly. See Cardholder Agreement  for complete details.
2
To be considered for a PayPal Business Debit Mastercard, a customer must have a PayPal Business or PayPal Balance account to maintain and use a PayPal balance.
3
Purchases and other transactions subject to credit approval. See the Business Cash Rewards Terms and Conditions for details. To earn Business Cash Rewards on eligible purchases, you must have an open Business account with PayPal to which your Business Card is linked. If your Business account with PayPal is closed for any reason, you will no longer be able to earn Business Cash Rewards and will forfeit any remaining Business Cash Rewards balance.
4
Terms and conditions apply. You must have a PayPal Business account to apply for a PayPal Business Cashback Mastercard.
5
Repayment percentage chosen prior to loan funding and applied to each PayPal sale. Minimum payment required every 90 days. See terms and conditions for details.
6
The lender transfers funds as fast as the next business day for applications approved by 5PM ET on bank business days.
7
Completing the questionnaire will assess your business’s eligibility, allow you to review estimated offers if eligible, and will not impact your consumer credit score. Accepting an approved loan offer will trigger credit checks and other public records checks, which may impact your consumer credit score.

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