You’ve probably heard that small businesses are the backbone of the American economy. In fact, they are the economy, with 99.9% of U.S. firms qualifying as small, according to SBA data published in 2026. But succeeding in today’s market can be a challenge: The SBA also found that fewer than 50% of new small businesses with employees make it to the five-year mark. 

Businesses need quick, easy access to capital to survive and grow in the long term, especially during those crucial early years. But securing a small business loan from a bank can be a slow, complicated process with headaches like in-person applications, months-long processing times and surprise costs from hidden fees and variable rates.

LoanBuilder is the fast, flexible way to get the financing your business needs without the time-consuming application process and sluggish timeline of a traditional bank. With a small business loan via LoanBuilder, a PayPal service, you can get quick access to a competitive, fixed-term loan with predictable payments as soon as the next business day after you’re approved. [1] 

Here’s how LoanBuilder can help you get the fast financing your company needs to scale up and thrive.

Small business loan approval in minutes

With traditional business loans from banks, months can pass between submitting an application and the funds actually hitting your bank account. That’s why LoanBuilder makes it easy for you to get approved for financing and review offers in minutes -- all online, with no complicated forms or in-person appointments. Completing the eligibility questionnaire and comparing offers won’t affect your credit score, so you can explore your options risk free. [2]

Once you’re approved, the funds can land in your account as soon as the next business day. You can use your small business loan from LoanBuilder to take control of cash flow and launch a new product or expand your business in days, not months.

Transparent pricing you can customize

Securing a business loan can feel like running an obstacle course. You have to look out for costly mistakes like choosing a loan with a variable APR, keep an eye on fluctuating interest rates and comb through the fine print to avoid getting hit with hidden fees. 

With LoanBuilder, you know exactly what your loan will cost upfront before you commit. You’ll pay one predictable, fixed fee, with no additional charges for processing, late payments or paying off your loan early. [3] When you apply, you can even adjust the amount and payback period to compare costs, allowing you to choose the term that works best for you. [4]

Right-size funding to help your business grow

No two small businesses are the same, so loan terms shouldn’t be, either.

LoanBuilder’s flexible approach allows you to choose your term and the amount of your loan so that it’s the perfect size for your business. [4] You can secure anywhere from $5,000 to $200K for first time borrowers and $300K for repeat borrowers, whether you need to purchase inventory, grow your team or take advantage of a new opportunity that just can’t wait for a traditional bank. Your term is customizable, too: Depending on the amount and your eligibility, you can choose to pay back your loan in anywhere from 17 to 52 weeks. [4]

LoanBuilder’s flexible approach is what makes it a go-to funding option for small businesses at different ages and scales. So far, LoanBuilder, a PayPal service, has helped 919,000 firms access more than $19 billion in funding, and 98% of surveyed customers would apply for financing through LoanBuilder again, according to the company. [5] 

Get a fast, flexible small business loan with LoanBuilder

With LoanBuilder, you can get the funds you need in as little as one business day. The simple, online-only application takes just a few minutes to complete. Once you’re approved, you’ll get a fast, fixed-term loan with predictable payments -- no hidden fees and no PayPal account required. 

Here’s how LoanBuilder’s features stack up for small businesses: 

Get the transparent, flexible funding your business needs fast. Check your eligibility in just minutes with LoanBuilder today.