Take your business further with PayPal Working Capital.

Introducing a faster, easier way to fund your growing business.

  • Pay when you get paid
  • Get funding in minutes
  • Pay one affordable, fixed fee
  • No credit check
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Overview
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 cash flow history to customize a special offer.
How does it work?
PayPal Working Capital is a loan of a fixed amount, with a single fixed fee. There are no due dates, minimum monthly payments, periodic interest charges, late fees, pre-payment fees, penalty fees, or any other fees. When you apply, simply select the amount you want — up to the maximum you qualify for. You choose the percentage of your sales that will be deducted from your PayPal account. (Deductions are made the day following each day of sales.) You'll pay this percentage of your sales until your balance is repaid in full. You only make payments when you get paid.
Do I need to change anything about how my sales are processed through PayPal? / Can I take this loan if I stop using PayPal?
To receive PayPal Working Capital, you must agree to continue to process your business's payments through your current PayPal account until your loan amount and fee are paid in full. You must also agree not to direct your payment volume away from PayPal.
Loan Amount
How is my maximum loan amount determined?
The lender reviews your PayPal sales history to determine your loan amount. In most cases, your maximum loan amount is approximately 8% of the sales your business processed through PayPal in the past 12 months. The maximum amount may be less for new or larger businesses, or for businesses with volatile or seasonally variable sales.
Fees
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, no set payment plan, no payment due dates, and no late fees. Payments are made automatically as your business makes sales through PayPal.
Do I pay periodic interest on the loan?
No. You're charged a single, fixed fee on your loan, not a traditional periodic interest rate. The only cost to you is the lender's single, fixed fee.
How is my fee calculated?
The fee is based on your business's PayPal sales history, the loan amount you apply for, and the daily repayment deduction percentage you select.
Will my credit be affected by applying for or using 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.
Repayment
What is the daily repayment percentage?

The daily repayment percentage is the share of your net PayPal sales applied toward repayment of your loan. It's applied only on days when you have sales.

Your loan is repaid automatically as you make sales on PayPal. When you apply, you choose a percentage that will be deducted from your sales each day your business has sales through PayPal — until your loan balance is paid in full. For example, if you choose a daily repayment percentage of 15%, PayPal will deduct 15% of your daily sales from your PayPal account the following day.

How does the daily repayment percentage affect the loan fee?
Choosing a higher daily repayment percentage results in a lower fee. Choosing a lower daily repayment percentage results in a higher fee — but more flexibility for your business, since you will get to keep a larger share of your sales.
Can I change the daily repayment percentage after I receive the loan?
No. The daily repayment percentage you choose stays the same until you repay the loan amount in full, so choose it carefully. However, since every daily payment is a percentage of your PayPal sales, the dollar amount changes day to day. If your sales decline one day, so does the amount due that day.
Can I pre-pay my loan?
Yes. You are welcome to pay your loan balance in full or in part at any time without penalty.
Will I see a penalty or savings if I pre-pay?
No. The terms of your repayment will stay the same, and the fixed fee won't change. You are welcome to pay your balance in full or in part at any time without penalty, but doing so won't save you any money.
Are there penalties if my sales are slower than expected?
No. Until your loan balance is paid in full, a portion of your sales processed by PayPal is automatically collected from your PayPal account. There are no penalties if your sales decline. There are never any penalty fees, but if you direct your payment volume away from PayPal as a payment method for your sales, your full balance may become due immediately.
What if I don't have sales?
If your business has a period with no sales, nothing happens, as long as you do not direct your payment volume away from PayPal as a payment method for your sales.
How does PayPal determine which transactions in my PayPal account are sales?
PayPal calculates net sales as:
All received payments, less:
  • Transfers from your linked accounts
  • Personal payments
  • Chargebacks

For the purposes of calculating loan repayment, chargebacks are deducted from sales on the day that they occur. In the unlikely event that net sales for a day are negative, PayPal Working Capital will not refund any loan balance to your PayPal account.

Note that any other providers' loans or merchant cash advances that are disbursed into your PayPal account ARE considered sales for the purposes of PayPal Working Capital loan repayment.

Also, note that net sales include taxes and shipping in cases where they were included in the amount of the PayPal transaction between your customer and your business.

Can I get a loan or merchant cash advance from another provider that's based on my PayPal sales history?
While you have an active PayPal Working Capital loan you should not take other loans or merchant cash advances that are based on your PayPal sales history. If you do, funds received under these programs will be treated as received Business PayPal Sales Proceeds and your Daily Repayment Percentage will apply to these funds.
Will the daily repayment percentage be applied to an existing loan or merchant cash advance from another provider that's based on my PayPal sales history and is in my PayPal Account?
Any funds you received from other providers prior to getting the PayPal Working Capital loan are not Business PayPal Sales Proceeds, so the daily repayment percentage does not apply to these funds.
Payment Logistics And Timing
How long does it take to get my funds?
Once you agree to the terms and conditions, you'll receive a decision usually within minutes. If your application is successful, funds are transferred to your PayPal account in just moments, automatically.
When do automated repayments occur?
Automated repayments generally occur between 7 am and 9 pm Pacific Time (PT) on the day after the corresponding net sales occur. For example, suppose you sign up for a daily repayment percentage of 15%, and your business has net sales of $100 on a Monday. On Tuesday, between 7 am and 9 pm PT, $15 would be automatically withdrawn from your PayPal account balance.
When do automated repayments start?
Automated repayment calculations begin three calendar days after you sign up and receive your funds. Your first automated repayment will then occur four calendar days after signup. For example, if you apply and receive your funds on Monday, sales starting on Thursday will be subject to the daily repayment percentage, and the first automated payment will occur on Friday.
What happens if I move the sales proceeds out of my PayPal account or spend them before automated repayment occurs?

If you withdraw, transfer or spend your sales proceeds before automated repayment occurs, PayPal will deduct catch-up payments each time you have a PayPal balance, until the amount due is paid in full. There is no fee for catch-up payments, but they may result in multiple deductions from your PayPal account at irregular times.

Catch-up payments are collected from your positive PayPal balance only. They will not result in debits of your bank account or other funding sources.

Catch-up payments are meant to be an occasional courtesy, not a standard practice. There is a limit to the share of your repayment that can be paid by catch-up payments. If, at any point after the first 30 days of the loan, uncollected and catch-up payments account for more than 50% of the cumulative balance due (based sales that have occurred), your full balance may become due immediately, at which time, PayPal may debit your funding sources.

Can I have an automated sweep or automated settlement withdrawal on my PayPal account if I use PayPal Working Capital?
No. If you sign up for PayPal Working Capital, you will have to disable any automated sweep ("autosweep") or automated settlement withdrawal function you have on your PayPal account – and you are not permitted to add one – until your loan is paid in full. Since loan repayments happen automatically out of your PayPal account with a delay, a daily automated sweep or settlement withdrawal would disrupt the repayment process.
What behaviors are not permitted for customers of PayPal Working Capital?
PayPal will monitor participating accounts for unexpected drops in PayPal volume. We will also monitor how often you spend or transfer your PayPal sales proceeds out of your PayPal account before automated repayment occurs. The outstanding balance may become due immediately in cases where PayPal observes severe or persistent repayment avoidance, such as:
  • Stopping acceptance of PayPal as a payment method
  • Deliberately directing payment volume away from PayPal as a payment method for your business's sales
  • Transferring sales proceeds out of the PayPal account before automated repayments occur for more than 50% of the amount due (based on sales that have occurred)
Remember, there is no penalty at all for having a period of slow sales - but if you direct your payment volume away from PayPal as a payment method for your sales, your full balance may become due immediately.