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
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.*
From new technology to extra supplies, or equipment upgrades to marketing, you can spend your funding however you like.
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.**
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.
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?
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.
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?
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Please note: Due to high demand, application processing and decisioning may be delayed.
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