PayPal Working Capital

Fast and flexible business funding with PayPal Working Capital

The PayPal Working Capital cash advance is based on your PayPal sales, account history and other criteria. Cash advances range from £1,000-£125,000 for first time applicants (and up to £185,000 for subsequent applicants).1

Easy to apply and manage

Repay as you get paid

You choose from the percentage options available to automatically deduct from your PayPal sales as repayments, so managing your cash flow is easier. Minimum payment required.2

Whatever your business needs

From new technology to extra supplies, or equipment upgrades to marketing, you can use your funding on what your business needs.

We know your business

Approval is based on your PayPal sales, account history and other criteria. No need for documentation during the application.

Speedy decision and funds

We usually let you know if you’re approved straight away. If approved, we’ll transfer your funding to your PayPal account within minutes.3

Designed to help you reach your business goals

Is PayPal Working Capital right for you?

Minimum eligibility requirements4:

  • Your business has had a PayPal Business account for 90 days or more
  • You process at least £9,000 in eligible PayPal sales annually⁵
  • Have repaid any existing PayPal Working Capital cash advance
  • Your business is registered in the United Kingdom.
  • Sole traders aren't required to be registered in the United Kingdom to have access to PayPal Working Capital
  • See PayPal Working Capital terms and conditions.

How to apply for PayPal Working Capital

Complete the application

No extensive documentation required. We usually let you know if you’re approved straight away.

Select your terms

If approved, choose the percentage of your PayPal sales that will go toward repaying your cash advance and fee. Then read, agree to and download the terms and conditions.

Get funding fast

Once your application is approved, you’ll receive the funds in your PayPal Business account within minutes.

Start repayment

Repay automatically with a share of each PayPal sale until your advance is paid in full. You can also make manual payments with no early repayment fee.

I think it's a no-brainer for people to look into and it can really, really help you make a step change in your business.

For us, the main use for PayPal Working Capital has been to increase our stock position. The funds are deposited almost instantly into the PayPal account and ready to deploy on our next stock order.

PayPal Working Capital FAQ

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