With PayPal Working Capital, payments are flexible and change with your sales. But sales can sometimes vary, so there’s also a minimum repayment requirement.
Depending on the loan terms you choose, you’ll need to 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.
For most of our customers, regular automatic repayments easily cover the minimum and this is never an issue.
For more details, please see our FAQs.