PayPal Working Capital
Business funding that moves at the speed of you.
Overview
PayPal Working Capital is a financing option available to eligible businesses that process payments through PayPal. The program provides a business loan with a single, fixed fee. Eligibility and loan amounts are determined by the business's PayPal sales history. The application process is quick and online, with funding often arriving in minutes if approved. Repayments are flexible, with a chosen percentage of daily PayPal sales being automatically deducted until the loan is paid in full. There is no credit check involved.
✨ Key Features
- For eligible PayPal sellers
- No credit check required
- Fast funding (in minutes)
- One fixed, transparent fee
- Flexible repayments based on a percentage of PayPal sales
- No periodic interest charges or late fees
🎯 Key Differentiators
- Deep integration with the PayPal ecosystem
- No credit check and extremely fast funding (minutes)
- Single fixed fee structure provides cost clarity upfront
Unique Value: Offers PayPal merchants one of the fastest and simplest ways to secure working capital, with a clear fixed fee and flexible repayments tied directly to their sales.
🎯 Use Cases (4)
✅ Best For
- Immediate capital for businesses with strong PayPal sales history
💡 Check With Vendor
Verify these considerations match your specific requirements:
- Businesses that do not use PayPal
- Companies needing very large loan amounts
🏆 Alternatives
Its primary advantage over nearly all alternatives is the speed of funding, which can be just minutes. The fixed fee structure is also simpler to understand than the factor rates used by many competitors.
💻 Platforms
🔌 Integrations
🛟 Support Options
- ✓ Email Support
- ✓ Live Chat
- ✓ Phone Support
🔒 Compliance & Security
💰 Pricing
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