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.

Welcome to faster, easier funding with PayPal Working Capital.

  • Get funding in minutes
  • One fixed fee that you know upfront*
  • Flexible payments that change with your sales

Ready to get started?Apply Now

Features

Why choose PayPal Working Capital?

Pricing

Simple pricing, simple payments.

Get to know the basics.

1

How much can I receive?

Maximum loan amount up to 35% *

How much can I receive?

PayPal Working Capital is based on your PayPal sales history, so you’ll receive your funds in minutes.

2

How much does it cost?

1 Fixed Fee

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.

3

How do I repay?

80% to your business and 20% to loan repayment

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.

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The PayPal difference.

PayPal Working Capital makes it easier for your business to get funding

Customers

“PayPal’s loan is so much easier than sitting through the process with a bank manager or taking out an expensive cash advance on a credit card”

— Trevor Douglas, Treegear

More Success Stories
Questions

Frequently asked questions

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.
Am I eligible to apply for PayPal Working Capital?

To be eligible to apply for PayPal Working Capital, you must:

  • Have a PayPal business or premier account for 3 months or more.
  • Live in Australia, the United States or the United Kingdom.
  • Process at least $20,000 in PayPal sales annually if you have a premier PayPal account or $15,000 if you have a business account.
  • Have paid off any existing PayPal Working Capital loan.
What fees will I pay with PayPal Working Capital?

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.

What is the minimum repayment requirement?

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 borrow $10,000 ($9,800 loan + $200 fixed fee) and we estimate you’ll repay it in 13 months based on your previous years’ sales, then your minimum repayment will be 5% or $500 every 90 days.
  • If you borrow $30,000 ($29,500 loan + $500 fixed fee) and we estimate you’ll repay it in 8 months based on your previous years’ sales, then your minimum repayment will be 10% or $3,000 every 90 days.

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.

Can I have more than one PayPal Working Capital loan at a time?

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.

See all FAQs

Questions?

Call us and we'll be happy to help.

1800 286 793

9am to 5:30pm AEST

Monday to Friday

Ready to get started?

Apply Now