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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

Features

Why choose PayPal Working Capital?

*At least 10% of the total of the original loan amount plus loan fee is due every 90 days, up to 540 days, or until the loan is paid in full, whichever first occurs. See Terms and Conditions for details.

☃Pricing☃

Simple pricing, simple payments

Get to know the basics.

1

How much can I receive?

Maximum loan amount up to 18% *

*The maximum loan amount can be up to 18% of your annual PayPal sales, and no more than $97,000.

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.

2

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.

3

How do I repay?

80% to your business and 20% to loan repayment

*Minimum payment required every 90 days. See Terms and Conditions for details.

How do I repay?

Payments are automatically deducted each day from your PayPal sales based on a percentage you choose when you apply.

You won’t be penalized for a day without sales, but there are minimum repayment requirements.
Learn about them now.

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

  • Maximum loan amount up to 18% *

    *The maximum loan amount can be up to 18% of your annual PayPal sales, and no more than $97,000.

    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.

  • 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.

  • 80% to your business and 20% to loan repayment

    *Minimum payment required every 90 days. See Terms and Conditions for details.

    How do I repay?

    Payments are automatically deducted each day from your PayPal sales based on a percentage you choose when you apply.

    You won’t be penalized for a day without sales, but there are minimum repayment requirements.
    Learn about them now.

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

Compare

The PayPal difference

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

Customers

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

— Gustav Reyes, Owner, Simply Wood Rings

More Success Stories
News

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

— Harriet Taylor, CNBC

More news

Questions

Frequently asked questions

How does PayPal Working Capital work?

PayPal Working Capital is a business loan of a fixed amount, with a single fixed fee. Automatic repayments are taken as a percentage of your daily sales. There are no periodic interest charges, late fees, pre-payment fees, penalty fees, or any other fees.

The process is easy:

  1. Select your loan amount. Maximum Loan Amounts vary based on your PayPal sales history.
  2. Choose the percentage of your future PayPal daily sales that you want to go toward repayment of the loan amount and the loan fee.
  3. If approved, get the loan amount deposited to your PayPal account within minutes to use for your business.
  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 without penalty.

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 PayPal sales annually if you have a Premier PayPal account or $15,000 in PayPal sales annually if you have a Business PayPal account
  • Pay off any existing PayPal Working Capital loan

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 are the minimum repayment requirements?

Because your automatic repayments are based on a share of your sales, repayment amounts change along with your business, but there are minimum requirements over time. You are required to 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 the loan is paid in full, whichever first occurs, so that you make consistent repayment progress regardless of your sales volume.

Here’s an example:

If you borrow $10,000 ($9,000 loan + $1,000 fixed fee), you are required to pay $1,000 every 90 days thereafter, for the first 18 months of the loan.

We check accounts regularly and alert you if you’re getting behind. For most of our customers, normal automated 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 or process more sales through PayPal to get back on track.

If you do not meet the minimum and your loan goes into default status, your entire loan 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 a future loan, which will then be subject to approval.

Have questions?

Call us and we'll be happy to help.

1-877-981-2128

Monday - Friday

9AM - 8PM Eastern Time

Ready to get started?

Apply Now
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