PayPal Working Capital
Your business is pre-approved1
For a limited time, your business is pre-approved for a loan that you repay with a share of your PayPal sales. Minimum payment required.
Apply Now
Competitively-priced small business loans from $1,000 to $150,000 for first-time borrowers, and up to $250,000 for repeat borrowers.
Apply nowPayment flexibility
You choose a share of your sales to automatically deduct as payments, so managing your cash flow is easier. Minimum payment required.2
No surprise fees
Don’t worry about periodic interest or hidden fees—you pay just one competitively-priced fixed fee.
No credit check
Your loan is based primarily on your PayPal account history, meaning no credit check is required—and it doesn’t affect your credit score.
Funding in minutes
Short and easy application. No check of your financial history. Approved loans are funded in minutes.
How PayPal Working
Capital works
What you need to know before you apply.
Watch the video
Since 2013, PayPal has provided access to small business funding
Your business is pre-approved for fast access to funding - no credit check required.1
Apply NowFrequently asked questions
How does PayPal Working Capital work?
PayPal Working Capital is a business loan with one competitively-priced, fixed fee. You repay the loan and fee with a percentage of your PayPal sales (minimum payment required every 90 days). There are no periodic interest charges, monthly bills, late fees, pre-payment fees, penalty fees, or any other fees.
Enter some basic info about your business and yourself, as the authorized representative on the account. If approved, the process is easy:
1. Select your loan amount. The maximum loan amount depends on your PayPal account history.
2. Choose the percentage of your PayPal sales that will go toward repaying your loan and fee.
3. Receive the funds in your PayPal account within minutes.
4. Repay automatically with a percentage of each sale until your balance is paid in full (minimum payment required every 90 days). You can make manual payments and even pay the loan in full, with no early repayment fee, using your PayPal balance or a linked bank account.
What fees do I have to pay with PayPal Working Capital?
How do I repay PayPal Working Capital?
What is the minimum payment requirement?
Can I get more than one PayPal Working Capital loan at a time?
Could a business loan help your business grow?
Apply Now1 Application and identity verification are required. Your business may not qualify for an account or the pre-approved amount if your business no longer meets credit criteria at the time of application, including, but not limited to, PayPal account status criteria. The pre-approval eligibility is time-limited, is only available to the business it was addressed to, and may not be transferred.
2 Repayment percentage chosen prior to loan funding and applied to each PayPal sale. Minimum payment required every 90 days. See Terms and Conditions for details.
3 In limited cases, a loan applicant may be asked to provide documentation before a credit decision is made.