Your advance is on the way. Contact us if you don't see it in your PayPal account within 24 hours.

Welcome to faster, easier business funding with PayPal Working Capital.

  • Apply and get a merchant cash advance in minutes
  • No interest - just one fixed fee that you know upfront
  • Flexible terms allow you to repay as you get paid*

Ready to get started?Apply Now

*Subject to eligibility. A minimum level of repayments is required. Terms and Conditions apply.


Why choose PayPal Working Capital?


Simple pricing, simple payments

See how much funding you could receive.


How much could I receive?

Maximum cash advance amount up to 35% *

How much funding could I receive?

Your maximum cash advance 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.


How much does it cost?

1 Fixed Fee

How much does it cost?

With PayPal Working Capital, you pay just one fixed fee, determined by:

  • Your business's PayPal sales and account history

  • The repayment percentage you select

  • The amount of your cash advance


How do I repay?

80% to your business and 20% to cash advance repayment

How do I repay?

Repayments are automatically deducted from your PayPal account when you have sales, based on the repayment percentage you choose when you apply.

For periods when you don't have sales, you won’t make any repayments. However, regardless of sales volume, you’re required to meet a minimum level of repayments every 90 days. This will be no more than 10% of your total cash advance (including the fixed fee), but the exact amount will depend on your business profile and the options you select. You’ll be told your specific amount in your terms and during the application process. For full details and other requirements that apply, see the FAQ.

You can also make additional payments to repay your cash advance sooner – without any additional charges.


The PayPal difference

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


“The way that PayPal Working Capital works is like a breath of fresh air. Compared to what’s available in the market, it’s exceptional.”

— Simon Lane, HEL Performance

More Success Stories

“PayPal Working Capital, winner of Digital Leaders 100 Fintech Innovation of the Year.”

PayPal Working Capital in the news


Frequently asked questions

How does PayPal Working Capital work?

Follow these simple steps:

  1. Select the amount of the merchant cash advance you’d like to receive for your business. The maximum amount available will depend on your PayPal sales and account behaviour.
  2. Choose the percentage of your future PayPal sales that will go towards repayment of the merchant cash advance and the associated fixed fee.
  3. Receive the funds straight away to use as you wish for your business.
  4. Your repayments will be taken from each of your future sales until your merchant cash advance and fixed fee have been repaid. You can also make additional repayments without any additional charges.
Am I eligible to apply for PayPal Working Capital?

The minimum requirements to apply for PayPal Working Capital are that you:

  • Have had a PayPal Business or Premier account for 3 months or more;
  • Are registered in the United Kingdom;
  • Process at least £12,000 if you have a Premier account, or £9,000 if you have a Business account, in eligible PayPal sales annually*; and
  • Have repaid any prior PayPal Working Capital cash advances.

Additional data regarding your PayPal account history, business performance and your financial position are also considered as part of the application process, to determine if you are eligible for PayPal Working Capital and to determine the size of the merchant cash advance available to you.

*Eligible sales are those made through your PayPal account net of any transaction reversals and excluding any non-business person-to-person transfers. Also excluded are any transfers or deposits you make yourself into your PayPal account, and any gambling transactions.

What fees do I have to pay with PayPal Working Capital?

There’s just one fixed fee, which will be explained before you complete your application for PayPal Working Capital. There's no interest, no late fees and no fees for any additional repayments you make.

How do I repay my merchant cash advance?

Repayments are automatically deducted from your PayPal account as a percentage of each sale until the cash advance amount and fixed fee are paid in full.

You can also make additional repayments or even pay the cash advance in full without additional charges.

How do I view/service my PayPal Working Capital account?

If you have a PayPal Working Capital account you can access it by clicking on the login button at the top of the PayPal Working Capital landing page, or from the link on your PayPal account servicing page.

See all FAQs

Contact Us

If you are a new customer interested in PayPal Working Capital please call

0800 368 7173

Monday to Friday

8.30am – 4.30pm

Ready to get started?

Apply Now