PayPal Working Capital

Help manage cash flow with a business loan based primarily on your PayPal account history.

Apply for a PayPal Working Capital loan1

Flexible payments2

You choose a share of your sales to automatically deduct as payments, so managing your cash flow is easier.

One affordable fixed fee

Don’t worry about periodic interest or hidden fees—you pay just one affordable fixed fee you know when you apply.

No credit check

Your loan is based primarily on your PayPal account history, so no credit check is required, and it doesn’t affect your credit score.

How much can I receive with PayPal Working Capital?

How much does a PayPal Working Capital loan cost?

How do I repay a PayPal Working Capital loan?

Get started

The lender for PayPal Working Capital is WebBank, Member FDIC.

1 To apply for PayPal Working Capital, your business must have a PayPal business or premier account for at least 90 days and process at least $15,000 (or for premier accounts $20,000) within those 90 days or within any time period less than or equal to 12 months. PayPal sales include processing on PayPal Express Checkout, PayPal Payments Standard, PayPal Payments Pro, and PayPal Here. This is an invitation to apply and not an offer or commitment to provide capital. Applicants must satisfy certain requirements to be eligible.

2 Minimum payment required every 90 days. See Terms and Conditions for details.