Welcome to fast, easy business funding with PayPal Working Capital.

New Money doesn’t wait around. Your cash advance could be in your account by:

Apply Now

Four reasons to choose PayPal Working Capital.

Instant Decision

Instant decision

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.

Get funds

Get funds in seconds

If you're approved and you accept, we'll place the funds into your PayPal account almost immediately.*


Repay as you get paid

Repayments are automatic, based on your chosen PayPal sales percentage, with no added charges if sales fluctuate.**


One affordable, fixed fee

Unlike most traditional financing, you pay one agreed, affordable fixed fee. So no interest, fees or hidden charges.

Am I eligible to apply?

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.

Here's how it works:


Complete the application form


Select the amount and choose your repayments


Receive your funding

It’s a simple application form with a quick approval decision. Get started now.

Choose the amount of funding you would like to receive and pick the repayment percentage of your future sales you’d like to go towards your combined advance and fixed fee amount. The maximum amount is based on your PayPal sales and account history.

Once you’re approved, your cash advance will go straight into your PayPal account. Your percentage-based repayments will be automatically deducted from each transaction, until the full amount (including your fixed fee) is repaid.


The PayPal difference.

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

Funding time

<1 minute
2 weeks
Can take 3-5 weeks


A percentage of each PayPal sale




One fixed fee
Can include activation, annual and late fees
Can include activation, annual and late fees

Early repayment penalty


^Source: PayPal competitive analysis

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Find out more.

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Frequently Asked Questions:

Follow these simple steps:

  1. 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.
  2. Choose the percentage of your future PayPal sales that will go towards repayment of the merchant cash advance and the associated fixed fee.
  3. 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.

Questions? We’re here to help. Call us 0800 368 7173
(Monday to Friday 08:30 – 16:30)

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