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What is PayPal Working Capital?

PayPal Working Capital gives businesses access to the capital they need, but it’s faster and easier than traditional loans. It’s available to select businesses that already process payments through PayPal. If your business qualifies, the lender reviews your PayPal sales history to customize a special offer.

Am I eligible to apply for PayPal Working Capital?

To be eligible to apply for PayPal Working Capital, you must:

  • Have a PayPal Premier or Business account for 3 months or more
  • Process between $20,000 and $20 million in annual PayPal sales if you have a Premier PayPal account or between $15,000 and $20 million in annual PayPal sales if you have a Business PayPal account
  • Pay off any existing PayPal Working Capital loan
Is PayPal Working Capital available outside of the United States? 

Yes, PayPal Working Capital is also available in Australia and the United Kingdom. Program Terms may be different by country, as explained within each’s respective website.

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. 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 sales 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. You can also make manual payments or even pay the loan in full without penalty.
How is my maximum loan amount determined?

The lender reviews your PayPal account history to determine your loan amount. If approved, your maximum loan amount can be up to 30% of the sales your business processed through PayPal in the past 12 months, and no more than $97,000 for your first loan. If you are approved for a third or subsequent loan, the maximum loan amount is $125,000.

Can I get more than one PayPal Working Capital loan at a time?

PayPal Working Capital loans are issued one at a time. You can apply after paying off one loan to get another one – many merchants do. Keep in mind that it can take up to 3 business days for your final payment to process before you’ll be able to apply for a future loan, which will then be subject to approval.

Will my credit score be affected if I apply for or use PayPal Working Capital?

No. The lender determines your eligibility based on your business's PayPal sales history, not your business or personal credit score. Applying for or using this loan won’t impact either credit score.

Do I need to change anything about how I receive my sales through PayPal?

No. You don’t need to change anything. With PayPal Working Capital, there’s no setup. Repayments occur automatically as a percentage of each sale.

Will my offer expire?

Your PayPal Working Capital loan offer is good for a limited time. If you decide to leave the website, your offer will have a specific expiration date and time and will remain available through the PayPal Working Capital site until then. Once your offer expires, you’ll have to apply again.



What fees do I have to pay with PayPal Working Capital?

Unlike traditional loans, PayPal Working Capital charges a single, fixed fee that you’ll know before you sign up. No periodic interest, no hidden fees, and no late fees.

How is my fee calculated?

The fee is based on your business's PayPal sales history, your loan amount, and the repayment percentage you choose. To learn more about how fees work, try the Sample Fee Calculator.

How does the repayment percentage affect the loan fee?

Choosing a higher repayment percentage lowers your fee. Choosing a lower repayment percentage results in a higher fee — but more flexibility for your business, since you’ll get to keep a larger percentage of your PayPal sales.



How do I repay PayPal Working Capital?

Repayments get automatically deducted from your PayPal account as a percentage of each sale until the loan amount and fee are paid in full.

You can also make manual payments or even pay the loan in full without penalty.

What is the repayment percentage?

The repayment percentage is the share of each PayPal sale that automatically goes toward repaying your loan. You’ll choose a repayment percentage that’s right for your business when you apply for PayPal Working Capital.

Is the repayment percentage calculated before or after PayPal transaction/processing fees are deducted?

The amount that you repay from each PayPal sale is calculated after PayPal transaction/processing fees are deducted. Your PayPal transaction/processing fees are not included in the repayment percentage calculation.

Does PayPal include tax and shipping when calculating the repayment amount for a sale?

Yes. In cases where tax and shipping is included in the amount paid by your customer it will also be included in the repayment calculation.

Can I change the repayment percentage after I receive the loan?

No. The repayment percentage you choose stays in effect until your balance is paid in full, so choose it carefully.

What if some of my sales don’t go through PayPal?

Your PayPal Working Capital loan is based on your current PayPal sales history. You repay the loan and fee with a percentage of your PayPal sales. The more you sell through PayPal, the faster you repay your loan and the more funding you may qualify for in the future.

Sales outside of PayPal do not impact the offer, nor are they affected by repayment. However, to receive a PayPal Working Capital loan you must agree to keep processing payments through PayPal. You cannot deliberately direct customers to use another payment method.

We’ll monitor accounts for unexpected drops in PayPal sales volume, and your loan will be in default if you move your sales away from PayPal to avoid repayment.

Please see Section 12 of the Terms and Conditions to learn more about default.

What is the minimum repayment requirement?

Because your automatic repayments get deducted as a percentage of each PayPal sale, the amount you repay each day changes with your sales volume. The more you sell, the more repayment progress you’ll make that day. On days without sales, you’ll make no payments, but there is a minimum repayment requirement every 90 days.

Regardless of sales volume, you must pay at least 10% of your total loan amount (loan + the fixed fee) every 90 days for the first 540 days of the loan, or until you’ve repaid the full amount, whichever occurs first.

Here’s an example:

If you borrow $10,000 ($9,500 loan + $500 fixed fee), you are required to pay $1,000 every 90 days for the first 540 days of the loan.

For most of our customers, regular automatic repayments easily cover the minimum and this is never an issue. But if you do get behind, you can make additional payments on the PayPal Working Capital website.

If you do not meet the minimum and your loan goes into default, your entire balance could become due and limits could be placed on your PayPal account.
Please see Section 12 of the Terms and Conditions to learn more about default.

What happens if I make sales in more than one currency – how does PayPal take my repayments?

We take all loan payments in U.S. Dollars (USD). We’ll first attempt to deduct each payment from your USD balance because that is the currency of your loan. If you don’t have enough funds in that balance to cover the repayment amount, we may deduct funds from your other currency balance(s). Standard PayPal currency conversion rates and fees would apply, as described in your PayPal User Agreement.

How does PayPal calculate multicurrency repayment?

If you make sales in multiple currencies, we’ll determine what each sale would be in U.S. Dollars (USD), then apply your repayment percentage to that amount.

How does PayPal determine which transactions in my PayPal account are sales?

PayPal considers all received payments sales except:

  • Transfers from your linked accounts
  • Personal payments

Any other loans or merchant cash advances deposited into your PayPal account are NOT considered sales for the purposes of PayPal Working Capital loan repayment.

What happens if a sale is returned?

The repayment from each sale is deducted immediately from your PayPal account. If a sale is returned, PayPal Working Capital will not refund the repayment amount from that sale to your PayPal account.

Can I make additional payments toward my loan balance, independent of my sales?

Yes. You are welcome to make additional payments or even pay the loan in full without penalty. You can make manual payments at any time from the PayPal Working Capital Dashboard.

Automatic payments as a percentage of your sales will continue, even if you make additional payments through the Dashboard, until your balance is paid in full.

Will I see a penalty or savings if I make additional payments?

No. Your fixed loan fee is determined at the time of application and won’t change as a result of additional payments.

Payment Logistics & Timing

Payment Logistics & Timing

How long does it take to receive loan funds?

If the lender approves your application, after you agree to the Terms and Conditions, funds are automatically transferred to your PayPal account in minutes.

When do automatic repayments start?

Automatic repayments begin 72 hours after you receive your loan. For example, if you apply and receive your funds on Monday, repayments will begin with Thursday’s sales.

When do automatic repayments occur?

Automatic repayments are deducted as soon as sales occur.

Applying for Another Loan

Applying for Another Loan

Can I get more funds added to a PayPal Working Capital loan?

To get more funds, you’ll need to apply for another loan. The lender issues PayPal Working Capital loans one at a time and we don’t currently offer a way to add funds to an existing loan. You may be eligible to apply for another loan after you pay any existing loan in full.

Once I pay off my PayPal Working Capital Loan, how do I apply for another?

Once you’ve paid off your existing PayPal Working Capital loan (and waited up to 3 business days for your final payment to process), you can apply for a new loan by visiting http://www.paypal.com/workingcapital and completing the application form.

Make sure you update your business and primary authorized user’s information if anything has changed since your last loan.

Will my loan offer and fixed fee be the same when I apply for another loan?

While many customers are approved for subsequent loans, each loan is subject to approval and based on your PayPal sales history. If your PayPal account activity has changed, your loan eligibility and potential offer options might be different than your previous loan.

Your fixed fee is based on your business’s PayPal sales history, the amount you apply for and the repayment percentage you choose. If any of those factors have changed since your last loan, it will likely have an effect on your fixed fee.

Have more questions?

Call us at 1-877-981-2128 and we’ll be happy to answer any additional questions you might have.

Monday – Friday | 9AM – 8PM Eastern Time

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