Fast funds with payments that flex with your PayPalsales.
The PayPal Working Capital business loan is primarily based on your PayPal account history.1 Apply for $1,000 to $200,000 (and up to $300,000 for repeat borrowers) with no credit check.2
Apply Now
Easy to apply andmanage
Payment flexibility
You choose a share of your sales to automatically deduct as payments, so managing your cash flow is easier. Minimum payment required.3
No surprise fees
Don’t worry about periodic interest or hidden fees—you pay just one competitively priced fixed fee.
No credit check
Since loans are based on your PayPal account history, there’s no credit check or impact on your credit score.
Quick funding
Short and easy application. No check of your financial history. Approved loans are funded in minutes.
Designed to help you reach your businessgoals
Is PayPal Working Capital right foryou?
Minimum eligibility requirements:
Your business has had a PayPal Business or Premier account for 90 days or more
You 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 PayPal Business account
Pay off any existing PayPal Working Capital loan
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Not a fit? Check out PayPal Business Loan and apply for fast funding with competitive pricing.
It was a game changer for mybusiness.”
I had funding within minutes, and I found it convenient. There’s no complicated math. You know how much you’re getting and how you have to pay it back.”
— D’Shawn Russell, founder and CEO, Southern Elegance Candle Company
Results or experiences may vary substantially across businesses.
How to apply for PayPal WorkingCapital
01
Complete the
short application
No credit check and no extensive documentation required. You’ll get a decision within minutes.4
02
Select your terms
If approved, choose the percentage of your PayPal sales that will go toward repaying your loan and fee. Then, agree to the terms and conditions.
03
Get funding fast
You’ll receive the funds in your PayPal Business account within minutes.
04
Start repayment
Repay automatically with a share of each PayPal sale until your balance is paid in full. You can also make manual payments with no early repayment fee.5
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⁴ In limited cases, a loan applicant may be asked to provide documentation before a credit decision is made.
⁵ Repayment percentage chosen prior to loan funding and applied to each PayPal sale. Minimum payment required every 90 days. See terms and conditions for details.
Compare financing options
Which business loan option is right for you?
| PayPal Working Capital | PayPal Business Loan | |
|---|---|---|
| Loan amount | $1,000 to $200,000 (up to $300,000 for repeat borrowers) | $5,000 to $100,000 (up to $150,000 for repeat borrowers) |
| Time to receive funds | Get funding in minutes if approved | Check eligibility and, if approved,6 get funding as soon as the next business day7 |
| Minimum eligibility requirements |
|
|
| Credit check | No credit check because the loan is based on your PayPal account history | Requires credit checks because the loan is based on a full picture of your business |
| How the loan is paid back | Repaid as a percentage of your PayPal sales; minimum repayment every 90 days | Weekly fixed payments are automatically made from your bank account |
| One fixed fee that’s paid over the life of the loan8 | ||
| No hidden fees and no late fees | ||
| Apply Now | Learn More |
6This is an invitation to apply and not an offer or commitment to provide capital. Applicants must satisfy certain requirements to be eligible. Lender approval required—terms and conditions apply.
7The lender transfers funds as fast as the next business day for applications approved by 5PM ET on bank business days.
8For PayPal Business Loan, in addition to the Total Loan Fee, the only other cost is a $20 Returned Item Fee that is only assessed if a payment is returned.
Frequently asked questions
More About PayPal Working Capital
Apply for a PayPal Working Capitalloan
A business loan with payments that flex with your PayPal sales.
Get funding in minutes, if approved.
Apply Now
Call our US-based team for help 877-981-2128
Monday - Friday, 9AM to 8PM ET
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