What is PayPal Working Capital and how do I apply?

PayPal Working Capital is a business loan of a fixed amount, with a single fixed fee. The loan and fee are repaid automatically with a percentage of your PayPal sales (a minimum payment is required every 90 days). There are no periodic interest charges, late fees, pre-payment fees, penalty fees, or any other fees.

PayPal Working Capital is currently unavailable to businesses located in North Dakota, South Dakota, or Virginia.

Apply for a PayPal Working Capital loan now.

If approved for a loan, the process is easy:

• Select your loan amount. Maximum loan amounts vary based primarily on your PayPal account history.
• Choose the percentage of your future PayPal sales that you want to go toward repayment of the loan amount and the loan fee.
• Accept the terms and conditions, and the loan funds are deposited into your account with PayPal.

Your repayments will be taken from your future PayPal sales until your balance is paid in full. You can also make additional payments or pay the loan in full with no early repayment fee.

For more information, visit our Working Capital page.