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How it worksEvery step and how long it takes The Openbook StandardWhat we promise on every offer

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We're a broker, not a lender

Funders make the credit decisions. We compare their offers and show you what each one costs. Funders pay us when a deal funds, never you upfront.

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Head to head · Working capital

PayPal vs Square Loans

Neither publishes a price, so compare what they do publish, then compare real offers.

PayPal is a payment platform's financing program; Square Loans is a payment platform's financing program. Both offer working capital. Everything below comes from each funder's own website, with the date we checked it on each profile.

Side by side

PayPal

Type
Payment platform
Amounts
$1K–$250K
Min. credit
Not published
Time in business
9 months
Min. revenue
Not published
Price
Not published
Speed
Within minutes, if approved (Working Capital)

Square Loans

Type
Payment platform
Amounts
$100–$500K
Min. credit
Not published
Time in business
Not published
Min. revenue
Not published
Price
Not published
Speed
Instantly into Square Checking, if approved
From each funder's own website. Research, not partnerships. Both offer: working capital.

What's different

The differences that change your decision

Funding amounts

PayPal: $1,000 to $250,000. Square Loans: $100 to $500,000.

Published minimums

PayPal lists 9 months in business. Square Loans lists no minimums.

Price

PayPal: no price published. Square Loans: no price published.

Product range

Only PayPal lists term loans.

Which fits

Choose based on your file

PayPal may fit if

Consider PayPal if you need term loans and you already sell through PayPal and received an offer there.

Full PayPal profile

Square Loans may fit if

Consider Square Loans if you need more than $250,000 and you already sell through Square and received an offer there.

Full Square Loans profile

Whichever you're considering, compare the dollar cost and estimated APR of real offers, not the published minimums. Compare offers side by side.

One application, many funders

Get offers from both, and more

Apply once. We match you with funders whose criteria fit, you approve each one, and every offer comes decoded side by side.

Check my options Request a call
  • About 3 minutes. No SSN and no bank login to start, so checking doesn't affect your credit.
  • 4 months of bank statements. A specialist contacts you within 1 business day and asks for them through a secure link.
  • You approve every funder before your file goes out. No cost to apply, and no obligation to accept.