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
Your account history helps determine your loan amount.
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?
There’s no credit check when you apply, so there’s no effect on your credit score.
How much does a PayPal Working Capital loan cost?
- The amount of your PayPal Working Capital loan
- The repayment percentage you select
- Your business's PayPal account history
There are no other fees and no periodic interest.
How do I repay a PayPal Working Capital loan?
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 of 5% or 10% every 90 days to keep your loan in good standing.
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.