Your loan is on its way. Call us on 1800 286 793 if you don't see it in your PayPal account within 24 hours.
To buy more inventory, fund your existing operations or market your business, sometimes you need quick access to short-term capital. We make it simple.
You choose a share of your sales to be automatically deducted as repayments. There are no monthly bills to remember**, so managing your cash flow is easier.
There are no penalties for early repayment. You pay just one fixed fee that you know upfront.* And once you’ve repaid your loan, you can apply for a new one.
Applying is quick and easy because approval is based on your sales history with us. Application, approval and funding can take as little as 5 minutes.
Get to know the basics.
How much can I receive?
*Your maximum loan amount can be up to 35% of your annual PayPal sales, and no more than $150,000 for your first and second loans and $200,000 for subsequent ones.
PayPal Working Capital is based on your PayPal sales history, so you’ll receive your funds in minutes.
How much does it cost?
There's just one fixed fee* determined by:
Your loan amount.
Your chosen repayment percentage.
Your business's PayPal sales history.
How do I repay?
You pay back the loan automatically with a percentage of your sales that you choose when you apply.**
The higher your sales, the faster you repay. On days without sales, you won’t pay a thing, but you need to repay a minimum amount every 90 days, depending on the loan terms you choose, to keep your loan in good standing.
You can also make manual payments and even pay the loan in full anytime without penalty.
PayPal Working Capital makes it easier for your business to get funding
— Trevor Douglas, TreegearMore Success Stories
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:
To be eligible to apply for PayPal Working Capital, you must:
Unlike traditional loans, PayPal Working Capital charges a single, fixed fee that you’ll agree to when you apply. There are no late fees and no penalties for early repayment or one-off repayments.
Your standard transaction and currency conversions fees will continue to apply. See the Combined Financial Services Guide and Product Disclosure Statement for details.
Because your automatic repayments get deducted as a percentage of each PayPal sale, the amount you repay each day changes with your sales volume. The more you sell, the more repayment progress you’ll make that day. On days without sales, you’ll make no payments, but there is a minimum repayment requirement every 90 days.
Depending on the loan terms you choose, you must pay at least 5% or 10% of your total loan amount (loan + the fixed fee) every 90 days.
The 5% minimum applies to loans we estimate will take 12 months or more to be repaid, based on your past sales and other factors. The 10% minimum applies to loans that can be repaid within 12 months.
Here are some examples:
If you do get behind, you can make additional payments on the PayPal Working Capital website.
If you don’t meet the minimum repayment amount, your entire loan balance could become due immediately.
Please see Section 12 of the Loan Agreement to learn more about default.
No. PayPal Working Capital loans are issued one at a time to help keep repayment simple and affordable for you. You can re-apply once you’ve paid off your loan – many businesses do. Keep in mind that it can take up to 3 business days for your final payment to process so you may not be able to apply for a new loan immediately, and your new loan application will be subject to approval.
Call us and we'll be happy to help.
1800 286 793
9am to 5:30pm AEST
Monday to Friday
*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 every 90-day period. See the Loan Agreement for details.
*^^In limited cases, the loan decision may take up to 7 days. ^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.