PayPal Working Capital

Linking your business bank account could unlock more funding.

Introducing a new way to apply for a PayPal Working Capital business loan with the potential for more funding.1

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Loans sized to fit your business

Funding based on more than just your PayPal sales.

You now have the option to link a business checking account and share your non-PayPal sales—which, if you are approved, could lead to a larger loan offer. If you'd prefer, you can still apply for a PayPal Working Capital loan without sharing your bank account information. Your decision to share account information has no impact on the likelihood of approval, only on the potential loan amount.2

How to see if you qualify for a larger loan offer

Follow these easy steps to connect your business bank account and have your non-PayPal sales considered when you apply for PayPal Working Capital.

Choose the account

Select the business checking account you use to process most of your non-PayPal sales.

The bank account must have been established for at least 90 days.

Add an account

If you don't have a business checking account linked, or would like to use a different one, you can log in to your bank to add it.

Agree to share

Once you choose to connect your business bank account and share your account data, a review of your transaction history for the last 90 days will be performed.3

Rest assured, your data is always protected for security and privacy. Connecting your bank account does not affect loan eligibility, only your potential loan amount.

Apply and get a loan decision

If approved, your offer will be based on both PayPal and the non-PayPal sales in your bank account, which could lead to a larger loan amount.

Your repayment will come only from your PayPal sales.

Same flexible funding as always

Payment flexibility

You choose a share of your PayPal sales to automatically deduct as payments, so managing your cash flow is easier. Minimum payment required.4

No surprise fees

Don’t worry about periodic interest or hidden fees—you only pay one competitively-priced fixed fee.

No credit check

Your loan is based primarily on your sales history, meaning no credit check is required—and it doesn’t affect your credit score.

Funding in minutes

Applying is fast and easy. Approved loans are funded in minutes.

Apply to see if you're eligible for a larger loan offer.1

Our US-based team is available Monday-Friday, 9AM to 8PM ET at 877-981-2128

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The lender for PayPal Working Capital is WebBank. PayPal Working Capital is currently unavailable to businesses located in certain states. Please visit the FAQs for more details on PayPal Working Capital availability.
1
This is an invitation to apply and not an offer or commitment to provide capital. Applicants must satisfy certain requirements to be eligible. Linking your bank account does not guarantee you will receive a loan offer. Applicants must satisty certain requirements to be eligible. Lender approval required—terms and conditions apply.
2
Subject to eligibility and credit approval as determined by the lender WebBank.
3
A third party, Yodlee or Finicity, a Mastercard company, is used to gather your data.
4
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.

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