Funding in minutes
One fixed fee
Flexible repayment options
|PayPal Working Capital||Credit card^^||Bank loan^^|
|Application time||5 mins||20 mins||1 hour|
|Funding time||< 1 min||1 week||3 – 5 weeks|
|Repayments||When you make a sale^||Monthly billing||Monthly billing|
|Fees||One fixed fee**||Annual and late fees||Application, annual and late fees|
|Early repayment penalty||No||No||Yes|
See Odd Pears’ story.
Watch Odd Pears’ story and see how Brock Sykes used PayPal Working Capital to grow his business.Watch Odd Pears
Sign up for a PayPal business or premier account and process payments with us for at least 3 months.
Process at least $20,000 in sales through your PayPal account within 12 months and ensure your account remains in good standing.
Complete our simple business loan application form online and, if approved, invest in your business.
Sign up for a PayPal business account.
The sooner you start processing your payments with PayPal, the sooner you’ll be eligible for a
PayPal Working Capital business loan.
- **Your standard transaction and currency conversion fees apply. See the Combined Financial Services Guide and Product Disclosure Statement for details.
- ^A minimum level of payment is required in every 90-day period. See the Loan Agreement for details.
- ^^Source: PayPal competitive analysis based on common industry practices. Times are average only and may vary. Fees are indicative of the types that may be charged by other providers.Subject to approval. PayPal Working Capital is provided by PayPal Credit Pty Ltd ABN 66 600 629 258.