Your Capital, Your Way.
Get the finance your business needs with fast and flexible funding from PayPal Working Capital. Cash advances range from £1,000 to £185,0001, perfect for adding inventory, managing cash flow, or investing in your business.
Apply now
1PayPal sales history and account behaviour, along with other criteria, are used to determine eligibility and the advance value offered. PayPal reserves the right to review and amend its eligibility criteria without notice. See full terms: paypal.com/gb/workingcapital/terms
Why choose PayPal Working Capital?
Business funding can be a big decision. But because we know your business, you can access the right funding quickly and have payments deducted from your sales easily.
Speedy decision and funds
We usually let you know if you’re approved straight away. So if approved, we’ll transfer your funding to your PayPal account within minutes.*
Flexibility
From new technology to extra supplies, or equipment upgrades to marketing, you can spend your funding however you like.
Repay as you get paid
You choose the amount and repayment percentage of your sales, so the automatic payments are deducted in line with your PayPal sales. There are no additional charges if sales fluctuate.**
We know your business
Approval is based on your PayPal sales and account history. No need for extra documentation.
*Eligibility assessed as at date of this letter and remains subject to bankruptcy, compliance and other standard checks. Funding time is typically less than a minute. PayPal sales history and account behaviour, along with other criteria, are used to determine eligibility and the advance value offered. PayPal reserves the right to review and amend its eligibility criteria without notice. See full terms: paypal.com/gb/workingcapital/terms
**You must not divert sales from PayPal while the cash advance is outstanding, and a minimum payment is required every 90 days.
How can I use PayPal Working Capital?
It’s completely up to you how you use your funding for your business.
- Pay for overheads
- Invest in marketing
- Purchase stock and inventory
- Pay business invoices
- Hire additional staff
How is PayPal Working Capital Different?
PayPal Working Capital makes it faster and easier for your business to get funding.
 |  Typical Credit card |  Traditional Bank loan | |
|---|---|---|---|
Funding type | Cash advance on business sales | Revolving credit limit | Term loan |
Repayments | Fixed Percentage of each PayPal sale | Monthly* but amount not dependent on business sales | Fixed monthly but amount not dependent on business sales |
Interest | No | Yes | Yes |
Fees | Yes, one fixed fee payable at set up | Yes, typically cash transactions and late repayment fees (can also include an annual fee for some cards) | Yes. Typically can include application, early and late repayment fees |
*Minimum payment on outstanding balance
Source: PayPal competitive analysis 2021
How does it work?
How much funding could I receive?
Cash advances can range from £1,000 up to £125,000 for first time applicants and up to £185,0001 for subsequent applicants. Your maximum funding 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?
How much do I repay?
1PayPal sales history and account behaviour, along with other criteria, are used to determine eligibility and the advance value offered. PayPal reserves the right to review and amend its eligibility criteria without notice. See full terms: paypal.com/gb/workingcapital/terms
Is PayPal Working Capital for you?
Find out how we’ve helped our customers invest in their business.
How to Apply
Applying for Working Capital is easy. There are just 3 simple steps and it only takes a couple of minutes to complete.
Eligibility Criteria
As of 5 days before completing the application you’re eligible to apply for PayPal Working Capital if you:
Have had a PayPal Business account for 3 months or more.
Process at least £9,000 if you have a business account, in eligible PayPal sales annually**.
Are registered in the United Kingdom.
Have repaid any prior PayPal Working Capital cash advances.
Haven't got a business account? Get one here now.
Sign UpFrequently asked questions
How does PayPal Working Capital work?
Please note: Due to high demand, application processing and decisioning may be delayed.
Follow these simple steps:
- Complete the simple application form - you’ll need basic information about your business and yourself as the authorised representative on the account. We may ask you for additional information.
- 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.
- Choose the percentage of your future PayPal sales that will go towards repayment of the merchant cash advance and the associated fixed fee.
- If approved, funds are transferred to your PayPal account to use as you wish for your business.
- Repay automatically with a percentage of each sale until the advance is paid in full. You can also make manual payments or pay the cash advance in full with no early repayment fee using your PayPal balance or a linked bank account.
How long does it take to receive funds?
How can I access my PayPal Working Capital advance?
Will my credit score be affected if I apply for or use PayPal Working Capital?
How does the daily repayment percentage affect the merchant cash advance fee?
Still have questions before applying? Call us and we'll be happy to help.
0800 368 7176
Monday to Friday
8.30am – 4.30pm
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