Your advance is on the way. Contact us if you don't see it in your PayPal account within 24 hours.
*Subject to eligibility. A minimum level of repayments is required. Terms and Conditions apply.
Our simple application process and quick funding lets you apply and, if accepted, receive funds in your account in minutes.
No hidden fees
You pay just one fixed fee, with no interest or other fees. There are no additional charges for early repayment or fluctuations in sales.
You choose the cash advance amount and repayment percentage that fits your needs and business model*.
We know your business
Approval is based on your PayPal sales and account history. No need for extra documentation and your credit score is unaffected.
See how much funding you could receive.
How much could I receive?
*The maximum cash advance amount offered could be up to 25% of your annual PayPal sales, with a maximum of £100,000.
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?
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?
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.
PayPal Working Capital makes it faster and easier for your business to get funding.
*In some cases, the application decision process may take up to 7 days. ^Source: PayPal competitive analysis.
— Simon Lane, HEL PerformanceMore Success Stories
Follow these simple steps:
The minimum requirements to apply for PayPal Working Capital are that you:
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.
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.
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.
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.
If you are a new customer interested in PayPal Working Capital please call
0800 368 7173
Monday to Friday
8.30am – 4.30pm