PayPal business loans offered through LoanBuilder are available to all businesses, so you don’t need to be a PayPal seller in order to qualify. Borrowers do need to meet other qualifications, like have at least 9 months in business and a credit score of at least 620.
PayPal Working Capital loans are business loans specifically for PayPal sellers. While you do not need good credit to qualify, you do need to sell at least $15,000 or $20,000 per year using PayPal.