A PayPal Working Capital business loan is a fast and easy way to fund your business.

- Flexible payments
- One affordable fixed fee
- No credit check
- Funding in minutes

Apply Now

Terms and conditions

Why choose PayPal Working Capital?

Flexible payments

You choose a share of your sales to automatically deduct as payments, so managing your cash flow is easier. Minimum payment required.*

One affordable fixed fee

Don’t worry about periodic interest or hidden fees—you pay just one affordable fixed fee you know when you apply.

No credit check

Your loan is primarily based on your PayPal account history, so no credit check is required, and it doesn’t affect your credit score.

Funding in minutes

There's no time-consuming application or check of your financial history. Approved loans are funded in minutes.

Simple pricing, simple payments


PayPal Working Capital loan amounts are primarily based on your PayPal account history. There’s no credit check when you apply, so there’s no effect on your credit score. And if you're approved, you'll get your funds in minutes.


PayPal Working Capital has just one fixed fee determined by: the loan amount you select, the selected repayment percentage, and your PayPal account history. There are no other fees and no periodic interest.


The loan is automatically repaid with the percentage of your sales that you selected. On days without sales, you won’t pay a thing, but you need to repay a minimum of 5% or 10% every 90 days to keep your loan in good standing. You can make manual payments and even pay the loan in full anytime without an early repayment fee.

The PayPal difference

PayPal Working Capital makes it easier for your business to get funding.

Frequently asked questions

How does PayPal Working Capital work?

PayPal Working Capital is a business loan with one affordable, 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.

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. If approved, 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.

Ready to get started?

Apply Now

The lender for PayPal Working Capital is WebBank, Member FDIC.

PayPal Working Capital is currently unavailable to businesses located in Virginia, North Dakota, South Dakota.

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