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PayPal Working Capital is a merchant cash advance linked directly to your PayPal account.


PayPal Working Capital is a merchant cash advance linked directly to your PayPal account. PayPal use your sales history, account performance and financial position to determine your eligibility.  There’s no impact on your personal or business credit score. If you are approved and you accept, you’ll receive the funds in your PayPal account within seconds. Repayments are taken automatically and repaid based on an agreed percentage of your PayPal sales – so you pay more when sales are strong and less during slower times. T&C’s and eligibility rules apply

PayPal Working Capital isn’t a bank loan. It’s not a credit card. It’s fast, easy funding for your business.

  • Short online application with no impact on your credit score
  • Instant decision based on your PayPal sales history*
  • One affordable fixed fee that you agree in advance
  • If approved and accepted, funds will be in your PayPal account in seconds
  • Automatic repayments that are a percentage of each transaction**
  • No interest or hidden fees for fluctuating sales or early repayment

* Subject to approval at the time of application. Eligibility is based on internal data assessed by PayPal and your financial position. PayPal reserves the right to review its eligibility criteria or to withdraw this offer at any time, without notice

** Customers must not divert sales from PayPal while the cash advance is outstanding and a minimum level of repayments is required.”


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  • PayPal Working Capital – fast and easy business funding