Your cash advance is based on your PayPal sales so there are no long forms to complete and most applicants receive a decision straight away.
If you're approved and you accept, we'll place the funds into your PayPal account almost immediately.*
Repayments are automatic, based on your chosen PayPal sales percentage, with no added charges if sales fluctuate.**
Unlike most traditional financing, you pay one agreed, affordable fixed fee. So no interest, fees or hidden charges.
To apply for PayPal Working Capital, you must have had a PayPal business account for 3 months and process minimum annual PayPal sales of £9,000. PayPal sales history and account behaviour determine eligibility.New to PayPal? Set up a PayPal business account today.
Complete the application form
Select the amount and choose your repayments
Receive your funding
PayPal Working Capital makes it fast and easy for your business to get funding.
PayPal Working Capital
Typical Credit Card^
Typical Bank Loan^
Completing the application
|5 minutes||Approx. 20 minutes||Can take hours|
|<1 minute||2 weeks||Can take 3-5 weeks|
|A percentage of each PayPal sale||Monthly||Monthly|
|One fixed fee||Can include activation, annual and late fees||Can include activation, annual and late fees|
Early repayment penalty
^Source: PayPal competitive analysis
Enter your details below and we’ll be in touch.
Follow these simple steps:
*Subject to approval at the time of application. PayPal reserves the right to review its eligibility criteria or to withdraw this offer at any time, without notice.
**Customers must not divert sales from PayPal while the cash advance is outstanding and a minimum level of repayments is required. Please see the terms and conditions for more information.
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