9 Alternatives to Paypal Working Capital Loans for 2026

Short-term business loans with PayPal Working Capital are some of the fastest loans for PayPal-based e-commerce businesses. But it caps its no credit check loans at $200,000 for first-time borrowers, and it’s only for businesses that use PayPal to process their sales and have a PayPal business account history. If that doesn’t fit your needs, consider these alternatives instead.

9 loans like PayPal Working Capital

• Best for online business loans: Fundera business loans
• Alternative for comparing loans: Lendio business loans
• For invoice factoring: FundThrough Invoice Factoring and Financing
• Alternative for equipment financing: National Funding business loans
• Alternative for lines of credit: Backd
• Alternative for fast funding: OnDeck short-term loans
• Alternative for SBA loans: SmartBiz business loans
• Alternative for merchant cash advances: Credibly business financing
• Alternative for startups: Finance Factory business loans

Finder Score	Loan amount	Loan term	APR
Best for online business loans
9.5 Excellent Fundera business loans	9.5 Excellent	$2,500 – $5,000,000	Varies by lender	Varies by lender	Go to site View details Compare product selection Compare	loading	Why we like it Fundera by NerdWallet is a business loan marketplace that connects small business owners with multiple lenders through a single application. The platform offers access to term loans, SBA loans, lines of credit, equipment financing and more, with loan amounts ranging from $2,500 to $5 million. With a quick online application using only a soft credit check, Fundera has helped over 77,000 small businesses secure more than $5.4 billion in funding. The platform provides dedicated loan specialists for personalized guidance, and funding can be as fast as one business day. Pros & cons Pros Free service Single application connects you with multiple lenders Soft credit check won't impact credit score Fast funding possible within 24 hours Cons Rates and fees aren't disclosed upfront Not a direct lender, terms set by partners Limited network compared to larger marketplaces
Alternative for comparing loans
9.6 Excellent Lendio business loans	9.6 Excellent	$1,000 – $10,000,000	Varies by lender	Varies by lender	Go to site View details Compare product selection Compare	loading	Why we like it 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, and it will connect you with multiple lenders. Depending on the loan type, some lenders may even work with credit scores as low as 520. But be prepared to receive a large number of marketing calls and emails afterward. Pros & cons Pros Network of 75+ lenders Wide range of financing options Options for poor credit Cons Not a direct lender Fees and rates vary by lender Marketing communications may continue
For invoice factoring
9 Excellent FundThrough Invoice Factoring and Financing	9 Excellent	$500 – $10,000,000	1 to 3 months	1.9%–2.9% per 30 days (invoices up to $999,999); custom pricing for $1M+	Go to site View details Compare product selection Compare	loading	Why we like it FundThrough offers no-doc invoice factoring with funding as fast as the next business day. It has no time in business requirements to qualify, and there is no impact on your credit. It's also one of the few factoring firms that advances up to 100% of your invoices. You submit your invoices by uploading them into your FundThrough account or pulling them in from QuickBooks or OpenInvoice. But you need to invoice B2B or government agencies and have outstanding invoices of at least $100,000 in accounts receivables or invoices to one customer. Fees range from 2.2% to 3% of your invoices' value. Pros & cons Pros Next-day funding possible Advances up to 100% of invoices No time in business requirements Cons More expensive than most types of business funding Cost depends on how fast your customers pay Doesn't integrate with all accounting systems
Alternative for equipment financing
9.6 Excellent National Funding business loans	9.6 Excellent	$5,000 – $500,000	4 to 24 months (working capital); 2 to 5 years (equipment)	Not listed	View details Compare product selection Compare	loading	Why we like it 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. Pros & cons Pros Quick turnaround funding No down payment required Highly rated by customers on Trustpilot Cons Low maximum loan amount Rates not advertised
Alternative for lines of credit
8.8 Great Backd	8.8 Great	$10,000 – $2,000,000	6 or 12 months (weekly repayments)	Not listed on lender's website	View details Compare product selection Compare	loading	Why we like it 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 $300,000 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. Pros & cons Pros High unsecured loan amounts Low 600 credit score requirement Only 1 year in business required Cons Requires $300,000 annual revenue Doesn't disclose rates or fees Short loan terms
Alternative for fast funding
9.2 Excellent OnDeck short-term loans	9.2 Excellent	$5,000 – $400,000	12, 18, or 24 months	Not listed	View details Compare product selection Compare	loading	Why we like it 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 the same day. But rates can run high, with an average term loan rate of 56.1% APR and an average rate of 55.9% APR for 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. Pros & cons Pros Low-doc application Same-day funding possible No prepayment penalties or draw fees Cons Potentially high APRs Weekly repayments on LOC Not available to all industries
Alternative for SBA loans
9 Excellent SmartBiz business loans	9 Excellent	$50,000 – $350,000	Up to 10 years	Prime Rate, plus 3% to 5.75%	View details Compare product selection Compare	loading	Why we like it SBA term loans provide longer-term funding than PayPal, with repayment terms of 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 SmartBiz 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 lending partners may charge a packaging fee of up to $2,500, plus closing costs. Pros & cons Pros Help with SBA loan applications Online prequalification available Good customer reviews Cons Up to 4% in fees Minimum loan amount is $50,000
Alternative for merchant cash advances
7.6 Great Credibly business financing	7.6 Great	$5,000 – $600,000	Not listed	Not listed (factor rates as low as 1.11)	View details Compare product selection Compare	loading	Why we like it 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 the same day you apply and repay the advance from your future sales. However, it has a $15,000 monthly minimum revenue requirement, which is much higher than PayPal's $15,000 annual requirement – but you're not restricted to advances based only on PayPal sales. Credibly comes highly rated by past customers and only requires a 500 credit score to qualify. Pros & cons Pros Same-day funding available Requires only 6 months in business Low credit score requirement Cons Doesn't disclose remittance percentage Best factor rates require good credit May require daily repayments
Alternative for startups
8.2 Great Finance Factory business loans	8.2 Great	$35,000 – $500,000	Up to 30 years	0% (for up to 21 months) to 15%	View details Compare product selection Compare	loading	Why we like it Startup financing can be harder to find, but with Finance Factory, you can search multiple startup funding options through a single form. Entrepreneurs can find a range of loans and financing options between $35,000 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% (for up to 21 months) and 15%. But you may need good to excellent credit to qualify with Finance Factory, and funding can take a few weeks. Pros & cons Pros Multiple options for startups Transparent with rates Award-winning support team Cons Not a direct lender Few options for fair or bad credit Funding may take longer than other lenders

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How does PayPal Working Capital compare?

PayPal Working Capital is a business loan based on your PayPal business account history that you repay with a share of your PayPal sales. Eligibility requirements are much lower than with other types of loans. There’s no credit check, and you only need $15,000 in annual PayPal sales to qualify — or $20,000 with a Premier account.

Loan amounts are flexible, and can be as little as $1,000 or as high as $300,000 for repeat borrowers. Repayments come from your sales, and you choose how much of a percentage PayPal deducts. But rates can run high, and it’s only for PayPal customers, making it more limited than other types of business loans. Compare the best working capital loans to find the deal that fits your needs.

Compare business loans

Enter your time in business, annual revenue and credit score ranges to unlock lenders you may qualify with. Then select Go to site to get started on your application. Alternatively, you can visit our review page by selecting More info.

8 of 8 results

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Finder Score	Min. Amount	Max. Amount	APR	Requirements
Promoted 9.9 Excellent Pinnacle Funding	9.9 Excellent	$10,000	$5,000,000	Varies by loan type	525 credit score, 6+months in business, $180,000+ annual revenue	Apply in minutes with funding as fast as 24 hours and zero impact to your credit score.	Go to siteView details Compare product selection Compare	loading
Promoted 9.6 Excellent Lendio business loans	9.6 Excellent	$1,000	$10,000,000	Varies by lender	Operate business in US for 6 months or more, have a business bank account, minimum 520 personal credit score, at least $8,000 in monthly revenue.	Submit one simple application to potentially get offers from a network of over 75 legit business lenders.	Go to siteView details Compare product selection Compare	loading
Promoted 9.5 Excellent Lendzi	9.5 Excellent	$5,000	$20,000,000	Varies by lender	Minimum credit score of 500, minimum annual revenue of $120,000, preferably one to two years in business	Compare lending options and get funded fast.	Go to siteView details Compare product selection Compare	loading
9.5 Excellent Fundera business loans	9.5 Excellent	$2,500	$5,000,000	Varies by lender	$60,000+ of annual revenue, 600+ personal credit score, in business for 6+ months	Get connected with short-term funding, SBA loans, lines of credit and more.	Go to siteView details Compare product selection Compare	loading
8.8 Great PayPal LoanBuilder	8.8 Great	$5,000	$300,000	Fixed fee (amount not disclosed)	Minimum credit score not disclosed, 9+ months in business, at least $33,300 in annual revenue	Go to siteView details Compare product selection Compare	loading
8.9 Great Best Money	8.9 Great	$5,000	$5,000,000	Varies by lender	Depends on the lender	Apply in minutes. Get funded fast.	Go to siteView details Compare product selection Compare	loading
9.1 Excellent Clear	9.1 Excellent	Varies by lender	$5,000,000	Varies by lender	6+ months in business and at least $250,000 annual revenue. Additional minimum qualifications vary by loan product and lender.	Access 100+ lenders through Clear’s marketplace to compare loan options, get expert help and find the best terms with zero broker fees.	Go to siteView details Compare product selection Compare	loading
8.7 Great BHG business loans	8.7 Great	$20,000	$500,000	8.77% to 41.26%	Not stated, but average customers have 700+ credit scores	Flexible financing for licensed professionals.	ContinueView details Compare product selection Compare	loading

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How we picked these

What is the Finder Score?

The Finder Score crunches 12+ types of business loans across 35+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.

To provide a Score, we compare like-for-like loans. So if you're comparing the best business loans for startups loans, you can see how each business loan stacks up against other business loans with the same borrower type, rate type and repayment type.

Read the full breakdown

Frequently asked questions/h3>

Does PayPal Working Capital affect my credit score?

No. Your eligibility is based on your PayPal sales history, not your personal or business credit scores.

Why am I not eligible for PayPal Working Capital?

If you haven’t had a PayPal Business or Premier account for at least 90 days and/or you don’t have at least $15,000 to $20,000 in annual sales entirely through PayPal, your loan application may be denied.

Can you have two PayPal Working Capital loans?

You can only have one PayPal loan at a time. After you pay it back, though, you can apply for a new loan, which is common.

Written by

Kat Aoki

Writer

Kat Aoki was a personal finance writer at Finder, specializing in consumer and business lending. She’s written thousands of articles to help consumers make better decisions on their home loans, bank accounts, credit cards, cryptocurrency and more. Kat is well versed in working with leading brands in the real estate, mortgage and personal finance industries, and her expertise has been featured on Lifewire and financial comparison sites like iSelect and realestate.com.au. She holds a BS in business administration from California State University, Sacramento and enjoys hiking and yoga in her spare time. See full bio

Kat's expertise

Kat has written 132 Finder guides across topics including:

• Mortgages
• Home equity loans
• Mortgage refinancing