Get the finance your business needs with fast and easy funding from PayPal Working Capital. Loans range from $1,000 to $350,0001, perfect for adding inventory, managing cash flow, or investing in your business.
Apply now
1PayPal sales history and account behaviour, along with other criteria, are used to determine eligibility and the advance value offered. PayPal reserves the right to review and amend its eligibility criteria without notice. See full terms: paypal.com/au/workingcapital/terms
We usually let you know if you’re approved straight away. If approved, and you accept, we’ll transfer your funds to your PayPal account within minutes. Then, you can instantly transfer those funds to your bank account.1
From new technology to extra supplies, or equipment upgrades to marketing, you can spend your funding however you like. You pay just one fixed fee that we detail upfront in your offer, which means there are no additional fees to worry about.3
You repay your loan balance automatically using a percentage of your daily sales, which you choose during the application. There’s no added charges if they fluctuate and on days with no sales, you pay nothing.2
Because the loan is based primarily on your PayPal sales history, we don't need to do an external credit check. So when you apply for PayPal Working Capital, it won’t impact your credit score.4
Credit card | Traditional Bank loan | ||
---|---|---|---|
Documentation required | None | None | Extensive documentation is typically required including financial statements from the past 2 to 3 years and business legal documents |
Application time | ~ 2 minutes | ~ 20 minutes | Days to weeks |
Funding time | Instant | 1 week to receive card | Days to weeks |
External credit check | No | Yes | Yes |
Collateral | No | No | Yes |
Repayments | Percentage of each sale | Monthly payment | Monthly fixed payment |
How cost of loan is billed | One fixed fee | Periodic interest | Periodic interest |
Additional fees for credit | None | Annual and late fees | Application, annual, early repayment, and late fees |
How does it work?
Loans range from $1,000 to $230,000 for first time applicants and up to $350,0001 for subsequent applicants. Your maximum funding amount is based on your PayPal sales volumes, account history, and any prior usage of PayPal Working Capital (where relevant). Applying has no impact on your business or personal credit score, and if you’re approved, you’ll get your funds in minutes.
1PayPal sales history and account behaviour, along with other criteria, are used to determine eligibility and the advance value offered. PayPal reserves the right to review and amend its eligibility criteria without notice. See full terms: paypal.com/au/workingcapital/terms
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Sign UpHow does PayPal Working Capital work?
PayPal Working Capital is a business loan with a single fixed fee.3 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 25% of your PayPal sales over the past 12 months.
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 merchant account.
4. Repay automatically with a percentage of each sale until your balance is paid in full. You can also make manual payments or even pay the loan in full with no early repayment fee, using your PayPal balance or a verified linked bank account.
Am I eligible to apply for PayPal Working Capital?
What fees will I pay with PayPal Working Capital?
What is the minimum repayment requirement?
Can I get more than one PayPal Working Capital loan at a time?
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PayPal Working Capital is provided by PayPal Credit Pty Ltd ABN 66 600 629 258 (PayPal Credit). Eligibility and the stated maximum loan amount are based on internal PayPal account data and history assessed by PayPal Credit at the time of application. PayPal Credit reserves the right to review its eligibility criteria and to withdraw an offer at any time, without notice. Please see full terms and conditions here.