PayPal Surpasses $30B in Global Small Business Lending
PayPal (NASDAQ: PYPL) has achieved a significant milestone by surpassing $30 billion in global loan originations, providing over 1.4 million loans and cash advances to more than 420,000 business accounts globally since 2013. The company offers two main financing solutions: PayPal Business Loan and PayPal Working Capital, available across multiple countries.
These lending solutions have demonstrated strong performance metrics, with Net Promoter Scores of 76 and 85 respectively, and over 90% customer renewal rates. Businesses using PayPal Working Capital see a 36% increase in total PayPal payment volume, while PayPal Business Loan users experience a 16% increase.
The initiative addresses a critical market need, as more than three-quarters of small businesses currently express concerns about capital access. Small businesses, which account for over 43% of U.S. GDP and nearly 40% of private sector payroll, benefit from streamlined online applications without extensive paperwork or credit checks.
PayPal (NASDAQ: PYPL) ha raggiunto un traguardo significativo superando 30 miliardi di dollari in origini di prestiti globali, fornendo oltre 1,4 milioni di prestiti e anticipi di cassa a più di 420.000 conti aziendali in tutto il mondo dal 2013. L'azienda offre due principali soluzioni di finanziamento: Prestito per le Aziende PayPal e Capitale di Lavoro PayPal, disponibili in diversi paesi.
Queste soluzioni di prestito hanno dimostrato metriche di performance solide, con punteggi Net Promoter rispettivamente di 76 e 85, e tassi di rinnovo dei clienti superiori al 90%. Le aziende che utilizzano il Capitale di Lavoro PayPal registrano un aumento del 36% nel volume totale dei pagamenti PayPal, mentre gli utenti del Prestito per le Aziende PayPal sperimentano un incremento del 16%.
L'iniziativa affronta un bisogno critico del mercato, poiché oltre tre quarti delle piccole imprese esprimono attualmente preoccupazioni riguardo all'accesso al capitale. Le piccole imprese, che rappresentano oltre il 43% del PIL degli Stati Uniti e quasi il 40% delle buste paga del settore privato, beneficiano di domande online semplificate senza una vasta documentazione o controlli di credito.
PayPal (NASDAQ: PYPL) ha alcanzado un hito significativo al superar 30 mil millones de dólares en originaciones de préstamos globales, proporcionando más de 1.4 millones de préstamos y anticipos de efectivo a más de 420,000 cuentas comerciales en todo el mundo desde 2013. La compañía ofrece dos soluciones principales de financiamiento: Préstamo para Negocios PayPal y Capital de Trabajo PayPal, disponibles en varios países.
Estas soluciones de préstamo han demostrado métricas de rendimiento sólidas, con puntuaciones de Net Promoter de 76 y 85 respectivamente, y tasas de renovación de clientes superiores al 90%. Las empresas que utilizan Capital de Trabajo PayPal ven un aumento del 36% en el volumen total de pagos de PayPal, mientras que los usuarios del Préstamo para Negocios PayPal experimentan un incremento del 16%.
La iniciativa aborda una necesidad crítica del mercado, ya que más de tres cuartas partes de las pequeñas empresas expresan actualmente preocupaciones sobre el acceso al capital. Las pequeñas empresas, que representan más del 43% del PIB de EE. UU. y casi el 40% de la nómina del sector privado, se benefician de solicitudes en línea simplificadas sin una extensa documentación o verificaciones de crédito.
PayPal (NASDAQ: PYPL)는 300억 달러 이상의 글로벌 대출 원천을 초과 달성하여 2013년 이후 전 세계 42만 개 이상의 비즈니스 계좌에 140만 건 이상의 대출 및 현금 선지급을 제공하는 중요한 이정표를 세웠습니다. 이 회사는 PayPal 비즈니스 대출과 PayPal 운영 자본이라는 두 가지 주요 금융 솔루션을 여러 국가에서 제공합니다.
이 대출 솔루션은 각각 76과 85의 넷 프로모터 점수를 기록하며 90% 이상의 고객 갱신율을 보이는 등 강력한 성과 지표를 보여주고 있습니다. PayPal 운영 자본을 사용하는 기업은 PayPal 총 결제량이 36% 증가하는 반면, PayPal 비즈니스 대출 사용자들은 16% 증가를 경험합니다.
이 이니셔티브는 시장의 중요한 요구를 해결하고 있으며, 현재 3분의 2 이상의 소기업이 자본 접근에 대한 우려를 표명하고 있습니다. 소기업은 미국 GDP의 43% 이상과 민간 부문 급여의 거의 40%를 차지하며, 방대한 서류 작업이나 신용 조회 없이 간소화된 온라인 신청의 혜택을 누리고 있습니다.
PayPal (NASDAQ: PYPL) a atteint un jalon significatif en dépassant 30 milliards de dollars en origines de prêts mondiaux, fournissant plus de 1,4 million de prêts et d'avances de fonds à plus de 420 000 comptes commerciaux dans le monde depuis 2013. L'entreprise propose deux principales solutions de financement : Prêt pour les Entreprises PayPal et Capital de Travail PayPal, disponibles dans plusieurs pays.
Ces solutions de prêt ont montré des indicateurs de performance solides, avec des scores Net Promoter de 76 et 85 respectivement, et des taux de renouvellement des clients de plus de 90%. Les entreprises utilisant le Capital de Travail PayPal constatent une augmentation de 36% du volume total des paiements PayPal, tandis que les utilisateurs du Prêt pour les Entreprises PayPal connaissent une augmentation de 16%.
Cette initiative répond à un besoin critique du marché, car plus des trois quarts des petites entreprises expriment actuellement des préoccupations concernant l'accès au capital. Les petites entreprises, qui représentent plus de 43% du PIB des États-Unis et près de 40% des salaires du secteur privé, bénéficient de demandes en ligne simplifiées sans une documentation extensive ni des vérifications de crédit.
PayPal (NASDAQ: PYPL) hat einen bedeutenden Meilenstein erreicht, indem es 30 Milliarden Dollar an globalen Kreditvergabe überschreitet und seit 2013 über 1,4 Millionen Kredite und Bargeldvorschüsse an mehr als 420.000 Geschäftskonten weltweit bereitstellt. Das Unternehmen bietet zwei Hauptfinanzierungslösungen an: PayPal Geschäftskredit und PayPal Betriebskapital, die in mehreren Ländern verfügbar sind.
Diese Kreditlösungen haben starke Leistungskennzahlen gezeigt, mit Net Promoter Scores von 76 und 85 sowie über 90% Kundenbindungsraten. Unternehmen, die PayPal Betriebskapital nutzen, verzeichnen einen Anstieg des gesamten PayPal-Zahlungsvolumens um 36%, während Nutzer des PayPal Geschäftskredits einen Anstieg von 16% erleben.
Die Initiative spricht ein kritisches Marktbedürfnis an, da mehr als drei Viertel der kleinen Unternehmen derzeit Bedenken hinsichtlich des Zugangs zu Kapital äußern. Kleine Unternehmen, die über 43% des BIP der USA und fast 40% der Löhne des privaten Sektors ausmachen, profitieren von vereinfachten Online-Anträgen ohne umfangreiche Papierarbeiten oder Bonitätsprüfungen.
- Reached $30B milestone in global loan originations
- High customer satisfaction with NPS scores of 76-85
- 90%+ customer loan renewal rate
- 36% increase in payment volume for Working Capital users
- 16% increase in payment volume for Business Loan users
- Extensive market reach with 420,000+ business accounts served
- Service not available in all U.S. states
- Working Capital to businesses using PayPal for payments
Insights
PayPal's achievement of surpassing
The most compelling aspect isn't just the lending volume but the ecosystem benefits it creates. Businesses increase their PayPal payment volume by
The Net Promoter Scores of 76 and 85 for these lending products are exceptionally strong for financial services, where scores above 50 are considered excellent. Even more telling is the
This achievement positions PayPal as a more integral financial partner to small businesses rather than just a payment processor—a critical differentiation in an increasingly competitive payment landscape. By leveraging their existing merchant relationships and transaction data for streamlined underwriting, PayPal has created a lending model that traditional banks struggle to replicate.
PayPal provides access to over 1.4 million loans and cash advances to more than 420,000 business accounts globally through its merchant lending solutions
Small businesses play a critical role in the global economy and within local communities. They are job creators, community builders, drivers of innovation and opportunity. Small businesses account for more than
To help fuel small business growth and prosperity, PayPal offers financing solutions including PayPal Business Loan in the
"Access to capital is consistently one of the top challenges small businesses face as they look to maintain and scale their businesses," shared Michelle Gill, EVP and GM of SMB and Financial Services at PayPal. "Traditional business loans are not only difficult to secure for small businesses, but the application process can be challenging and prohibitively time consuming. PayPal's financing solutions have a streamlined online application process with no lengthy paperwork or extensive credit checks, and approved PayPal loans are funded within minutes. We launched PayPal Working Capital and PayPal Business Loan to serve this important need, and to provide a quick and responsible way to inject much needed capital to help fuel small business growth."
Small businesses have seen tremendous value in PayPal Working Capital and PayPal Business Loan, as both offerings continue to receive remarkable feedback from customers. Additionally, both offerings have achieved Net Promoter Scores of 76 and 85 respectively and our customers renew loans or access our offerings on a repeat basis more than
"One of the key challenges I've faced as an entrepreneur who is a woman of color is securing access to capital," shared D'Shawn Russell, Founder and CEO of Southern Elegance Candle Co., a specialty candle business based in
*The lender for PayPal Business Loan and PayPal Working Capital in
About PayPal
PayPal has been revolutionizing commerce globally for more than 25 years. Creating innovative experiences that make moving money, selling, and shopping simple, personalized, and secure, PayPal empowers consumers and businesses in approximately 200 markets to join and thrive in the global economy. For more information, visit https://www.paypal.com, https://about.pypl.com/ and https://investor.pypl.com/.
Contact: Media Relations, mediarelations@paypal.com
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SOURCE PayPal Holdings, Inc.
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