What is PayPal Working Capital?

What is PayPal Working Capital?
PayPal Working Capital gives businesses access to the capital they need. It’s faster and easier than traditional forms of finance. It’s available to select businesses that already process payments through PayPal. If your business qualifies, we’ll review your PayPal history to customise an offer especially for you.

How does PayPal Working Capital work?
Follow these simple steps:

  • 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.
  • Choose the percentage of your future PayPal sales that will go towards repayment of the merchant cash advance and the associated fixed fee.
  • Receive the funds straight away to use as you wish for your business.
  • 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.
Who can apply for PayPal Working Capital?

The minimum requirements to apply for PayPal Working Capital are that you:
  1. Have had a PayPal Business or Premier account for 3 months or more;
  2. Are registered in the United Kingdom;
  3. 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
  4. 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.

How do I apply for PayPal Working Capital?

To apply, simply visit the PayPal Working Capital website and click Apply Now, then:
  1. Log in to your PayPal account to begin.
  2. Confirm information about your business.
  3. Select your cash advance amount and a repayment percentage.
  4. Accept the PayPal Working Capital agreement.

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