Your loan is on the way. Call us if you don't see it in your PayPal account in 24 hours.

Pay as you grow with PayPal Working Capital

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

Ready to get started?Apply Now


Why choose PayPal Working Capital?


Simple pricing, simple payments

Get to know the basics.


How much can I receive?

Maximum loan amount up to 35% *

How much can I receive?

PayPal Working Capital is based on your PayPal sales history, so you receive an amount that fits your business.

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.


How much does it cost?

1 Fixed Fee

How much does it cost?

There's just one fixed fee determined by:

  • The amount of your loan.

  • The repayment percentage you select.

  • Your business's PayPal sales history.

There are no other fees and no periodic interest.


How do I repay?

80% to your business and 20% to loan repayment

How do I repay?

You pay back the loan automatically with a percentage of your sales that you choose when you apply.

The higher your sales, the faster you repay. 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 also make manual payments and even pay the loan in full anytime with no early repayment fee.


The PayPal difference

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


“Since we got PayPal Working Capital, every month has been our best month.”

— Gustav Reyes, Owner, Simply Wood Rings

More Success Stories

Results may not be typical and may vary substantially across businesses.


“The program . . . addresses two specific merchant pain points: access to credit and the lengthy application processes typical of many traditional lenders.”

More news


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. 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. Start making repayments as a percentage of your daily sales until your balance is paid in full. You can also make additional payments or even pay the loan in full ahead of your sales with no early repayment fee.
Am I eligible to apply for PayPal Working Capital?

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

  • Have a PayPal Business or Premier account for 3 months or more
  • Process at least $20,000 in annual PayPal sales if you have a Premier account or at least $15,000 in annual PayPal sales if you have a Business PayPal account.
  • Pay off any existing PayPal Working Capital loan

What materials do I need to apply for PayPal Working Capital?

For many merchants, all you need is some basic info about your business and yourself, as the authorized representative on the account. However, for certain business types, you will want to have additional information on hand. You will need the contact details, birth dates, and Social Security numbers of your primary business owners and business management, as well. These people won’t have access to the account (unless you authorize them on your PayPal account), and the information won’t be used for a credit check.

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.

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.

Depending on the loan terms you choose, you must pay at least 5% or 10% of your total loan amount (loan + the fixed fee) every 90 days.

The 5% minimum applies to loans estimated to take 12 months or more to be repaid, based on your business’ past PayPal sales and other factors. The 10% minimum applies to loans estimated to be repaid within 12 months.

Here are some examples:

  • If you borrow $10,000 ($9,800 loan + $200 fixed fee) and the loan is estimated to be repaid in 13 months based on your previous years’ PayPal sales, then your minimum repayment is 5% or $500, every 90 days.
  • If you borrow $30,000 ($29,500 loan + $500 fixed fee) and the loan is estimated to be repaid in 8 months based on your previous years’ PayPal sales, then your minimum repayment is 10% or $3,000, every 90 days.

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.

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 future loam, which will then be subject to approval.

See all FAQs

Have questions?

Call us and we'll be happy to help.


Monday - Friday

9AM - 8PM Eastern Time

Ready to get started?

Apply Now