Fundera business loans
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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.
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.
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.
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How we picked theseThe 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.
No. Your eligibility is based on your PayPal sales history, not your personal or business credit scores.
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.
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.
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