Your loan is on the way. Call us if you don't see it in your PayPal account in 24 hours.
You choose a share of your sales to automatically deduct as payments, so managing your cash flow is easier.
Don’t worry about periodic interest or hidden fees—you pay just one affordable fixed fee you know when you apply.
Your loan is based on your PayPal sales, so no credit check is required, and it doesn’t affect your credit score.
There’s no time-consuming application or check of your financial history. Approved loans are funded in minutes.
Get to know the basics.
How much can I receive?
*The maximum loan amount can be up to 35% of your annual PayPal sales, and no more than $125,000 for your first loan.
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?
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?
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.
PayPal Working Capital makes it easier for your business to get funding
*In limited cases, the loan decision may take up to 7 days. ^Source: PayPal competitive analysis based on common industry practices. Times are average only and may vary. Fees are indicative of the types that may be charged by other providers.
— Gustav Reyes, Owner, Simply Wood RingsMore Success Stories
Results may not be typical and may vary substantially across businesses.
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:
To be eligible to apply for PayPal Working Capital, you must:
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.
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.
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:
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.
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.
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