Examining the Charge Off Rates on PayPal’s Business Loans

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Wondering how a competing small business lender with more than $17 billion in originations since inception has been doing lately with? Check out some of PayPal’s business loan and MCA stats:

Period % of Merchants Within Expected Timeframe % of Merchants > 90 Days Past Expected Net Charge-offs
2017 87.4% 5.5%
2018 91% 3.7%
2019 89.6% 4.2% 7.4%
2020 75.4% 12.5% 18.9%
2021 91.8% 3.1% 4.7%
2022 90.7% 3.7% 4.5%
Last modified: February 13, 2023

Category: Business Lending

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