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From what I’ve learned while researching funding for my own shop, the requirements are actually more about your transaction history than traditional credit checks. When I was looking into options similar to a paypal business loan ebay sellers sometimes use, I found that lenders usually look at how consistently your PayPal account processes payments and the overall sales volume. The longer and more stable your sales history is, the easier it is to qualify. I also came across a guide that explains the details and mentions alternative lenders like eboost along with how PayPal Working Capital works for online sellers. In my case, having steady monthly sales helped a lot because lenders prefer businesses that show predictable activity rather than sudden spikes.