Compare 7 business loans like PayPal Working Capital

Lendio is a business loan marketplace connecting over 75 lenders to business owners. Lendio's partners offer a much wider range of loans and financing options than PayPal Working Capital, including SBA and term loans, cash advances, equipment financing, flexible lines of credit and more.

Just fill out a single online form with your information to get connected with multiple lenders. Depending on the loan type, some lenders may even work with credit scores as low as 500. But be prepared to receive a large number of marketing calls and emails afterwards.

Backd offers lines of credit up to $750,000 to businesses that have been in business for at least one year with at least $100,000 in annual revenue. This limit is much higher than PayPal's maximum limit of $250,000 for repeat borrowers.

If you're approved with Backd, you can get funds as soon as one to two business days. With its lines of credit, you can pay back each draw with fixed monthly or weekly payments over 6 or 16 months. After you repay, the funds are available for you to draw from again.

Unlike PayPal, OnDeck offers two types of loans: term loans and lines of credit (LOC). Depending on the state, its term loans and lines of credit can be funded as soon as same-day. But rates can run high, with an average term loan rate of 60.9% APR and an average rate of 52.6% APR for its LOCs.

To qualify, your business must have been operating for at least one year with $100,000 in annual revenue. But you only need a minimum credit score of 625 to qualify, and there are no prepayment penalties on its term loans or draw fees on its line of credit (LOC), which can help you save.

SBA term loans provide longer term funding than PayPal, with repayment terms up to 25 years and competitive rates. With SmartBiz, you can speed up the SBA application process by filling out a single form and getting matched with multiple banks and online lenders that offer SBA loans.

SBA loans through SmarBiz typically take just one month for funding, instead of the regular two to three month waiting period for SBA loans. Prequalification takes a few minutes, but the process isn't free: SmartBiz charges a 2% referral fee and 2% packaging fee if your loan is approved.

Offering advances up to $600,000 and with a factor rate of 1.11, Credibly is one of the less expensive options out there for merchant cash advances. If you're approved, you can get funds as soon as 24 hours after approval and repay the advance from your future sales.

However, it has a $15,000 monthly minimum revenue requirement, which is higher than PayPal's $15,000 annual requirement – but you're not restricted to advances based on PayPaly sales. Credibly comes highly rated by past customers and only requires a 500 credit score to qualify.

National Funding offers new and used equipment financing and leasing up to $150,000 through its network of lending partners. It funds up to 100% of the equipment cost with no down payment required, which means you can save your cash for other purposes.

It also guarantees you won't find a lower monthly lease payment elsewhere, or it pays $1,000 toward the equipment lease. National Funding advertises fast approvals and funding in as soon as 24 hours, with early payment discounts and excellent customer reviews.

Startup financing can be harder to find, but with Finance Factory, you can search multiple starting financing options with a single form. Entrepreneurs can find a range of loans and financing options between $5,000 and $350,000 that can be used to fund a new business.

While it's not a direct lender, it's transparent about its terms and rates, with APRs ranging between 0% and 15%. But you may need good to excellent credit to qualify with Finance Factory, and funding can take a few weeks.