What is PayPal Working Capital?

What is PayPal Working Capital?
PayPal Working Capital gives merchants access to the capital they need. It’s faster and easier than traditional loans and is available to select businesses that already process payments through PayPal. If your business qualifies, apply today and we'll customise a special offer for you.

How does PayPal Working Capital work?
PayPal Working Capital is a business loan with a single fixed fee.* You repay the loan and fee with a percentage of your PayPal sales.

The process is easy:

  1. Select your loan amount. You can borrow up to 35% of your PayPal sales over the past 12 months, to a maximum of $150,000 for your first and second loans, and $200,000 for subsequent ones.
  2. Choose the percentage of your future PayPal sales that will go toward repaying your loan and fixed fee.
  3. If approved, receive the money in your PayPal account within minutes to use for your business.
  4. Repay automatically with a percentage of your sales until your balance is paid in full. You can also make additional repayments or even pay the loan in full early, without penalty.
*Your standard transaction and currency conversion fees apply. See the Combined Financial Services Guide and Product Disclosure Statement for details.


Who can apply for PayPal Working Capital?
Businesses that have held a PayPal business account for at least 3 months, processed at least $20,000 in sales and kept their account in good standing are eligible to apply for PayPal Working Capital.


Am I eligible for PayPal Working Capital?
To be eligible for PayPal Working Capital, you must:
  • Have a business or premier account for 3 months or more.
  • Live in Australia, the United States or the United Kingdom.
  • Have paid off any existing PayPal Working Capital loan.


How do I apply for PayPal Working Capital?
To apply for a business loan, visit the PayPal Working Capital website, then:
  1. Log in to your PayPal account to begin.
  2. Confirm information about your business.
  3. Select your loan amount and a repayment percentage.
  4. Accept the loan agreement.