FASTER, EASIER BUSINESS FUNDING WITH PAYPAL WORKING CAPITAL.

Sign up for a PayPal business or premier account and you could be eligible for a business loan in as little as 3 months.*

Sign up for a PayPal business or premier account and you could be eligible for a business loan in as little as 3 months.*

Sign Up Now

What is PayPal Working Capital?

PayPal Working Capital is a business loan solution for businesses with a strong PayPal sales history.

Funding in minutes

Funding in minutes

Apply for PayPal Working Capital and, if approved, you’ll receive your business loan in your PayPal account automatically. Your maximum loan amount can be up to 25% of your annual PayPal sales, to a maximum of $97,000.
One fixed fee

One fixed fee

There’s just one simple fixed fee**, determined by your business loan amount, repayment percentage and PayPal sales history. The higher repayment percentage you choose, the lower your fee amount.
Flexible repayment options

Flexible repayment options

Repay your business loan when you get paid. A portion of your sales goes toward repayment of your PayPal Working Capital loan so managing your cash flow is easier.^ And you can make one-off repayments at any time, without penalty.
 PayPal Working CapitalCredit card^^Bank loan^^
Application time5 mins20 mins1 hour
Funding time< 1 min1 week3 – 5 weeks
RepaymentsWhen you make a sale^ Monthly billingMonthly billing
FeesOne fixed fee** Annual and late feesApplication, annual and late fees
Early repayment penaltyNoNoYes

See Odd Pears’ story.

Watch Odd Pears’ story and see how Brock Sykes used PayPal Working Capital to grow his business.

Watch Odd Pears

*To become eligible for PayPal Working Capital:

1

Sign up for a PayPal business or premier account and process payments with us for at least 3 months.

2

Process at least $20,000 in sales through your PayPal account within 12 months and ensure your account remains in good standing.

3

Complete our simple business loan application form online and, if approved, invest in your business.

Learn more about PayPal Working Capital

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.