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PayPal Working Capital


This is 2020 review of PayPal Working Capital. Our goal ins this article is to help you make the best business decision. The opinions, reviews, recommendations, and analysis in this article is unbiased, and derived from publicly available information about PayPal Working Capital.

PayPal Working Capital is the business lending division of PayPal. PayPal sellers can apply for funding in minutes and get access to immediate working capital via their PayPal account. The PayPal working capital loan is repaid, plus a fee, with 10-30% of your daily PayPal sales. With this form of working capital, you can qualify for up to 30% of your annual PayPal sales – with a maximum if $97,000 for the first loan you take from them. You can use the funds to cover your payroll, and other business operation expenses. 

One of the great things about PayPal business loans is the fact you can use the funds to grow your business, without any preconditions on how you are allowed to use the funds.

PayPal Working Capital Loan Builder

Let’s chat about PayPal working capital and how PayPal working capital loans work

Working capital essentially is the money you have left over after subtracting your expenses. It’s super critical you remain liquid so you can finance the growth of your business. This might be difficult at times.  Working capital can go towards paying for rent, payroll, office expenses, weekly payments for other expenses, etc. If you don’t have working capital, it’s likely you’re going negative each month – or not taking a salary – in order to have cash on hand for the business to survive.

It’s not uncommon for most businesses to be struggling, and not have enough sales to cope with downtrends. 

How PayPal Working Capital Works

This financing option works by advancing borrowers up to 18 percent of their yearly revenue. Just like a Merchant Cash Advance (MCA), the debt is repaid through a portion of daily revenue that in the PayPal account of the borrower.

***The biggest benefits PayPal working capital are the lack of late fees, penalty fees, pre-payment fees, and periodic interest charges. However, the program is only available to users of PayPal, particularly those who have subscribed for PayPal Business and PayPal Premier for at least ninety days. For you to qualify, you need to have a minimum annual revenue of $15,000 for PayPal business and $20,000 for PayPal Premier.

Which businesses are good candidates for PayPal Working Capital

PayPal working capital offers competitive rates on small business loans to business owners with a strong history of PayPal sales.You must be a PayPal merchant in order to get access to PayPal business loans. Through PayPal Working Capital you can automatically choose a % of your sales that PayPal automatically deducts every time you process a sale. Based on your repayment % and your sales history, PayPal will charge a one-time fee on top of the loan amount. 

paypal working capital

PayPal Working Capital: How To Apply

PayPal small business loan applications are simple. It can be accessed through the PayPal account. There are four parts to the PayPal application. First you have to verify your identity, your location, and some financial information. PayPal prefills most of this information based on data in your PayPal account. You’ll pretty much know whether you’ve been approved, or denied, right after you verified the information. 

Reasons for PayPal Working Capital Decline

The loan approval process for PayPal working capital is fully automated, which means there is no human involvement. And because there is no perfect system, the algorithm sometimes processes the applicant’s data incorrectly. This results in the rejection of loan applications.

Another popular reason for applicants to be turned Also, an applicant can be turned down if their sales are not regular. Sometimes, sales fluctuate during off seasons or when the chargebacks are higher than usual. When you have chargebacks that are higher than average, you can fail to get a loan even when your sales are strong. Hence, you can be declined for factors that you cannot control.


In case you get declined, you can look for alternatives. Some great options include Delancey Street, Square Capital, and more. For instance, Delancey Street has multiple funding programs that have flexible requirements, which is unlike PayPal. The lender does not look at your credit score when looking to approve you for a small business loan. Additionally, if you have a poor credit score, you can get the option of being approved for a bad credit loan. Similar to PayPal, you will not require collateral for most loans offered by this lender. 

paypal working capital offer

PayPal Working Capital Overview

PayPal working capital is a form of business financing provided by PayPal inc. They are a direct lender, and offer business loans in all 50 states. PayPal working capital offers a fixed APR product which ranges from 36% to 120% APR. PayPal working capital does not charge a loan origination fee. This fee, which is typically what lenders charge for processing and underwriting the loan, is fairly standard. Typical ranges from .5% to 5% of the loan amount. Whenever possible, you should try to avoid lenders who charge an origination fee.

PayPal working capital considers loan applications for equipment purchase, product expansion, service expansion, or working capital to pay bills. You can apply for a PayPal business loan in minutes, and get immediate access for funds into your PayPal account. You repay your PayPal working capital loan, plus a fee, with a % of your business’s PayPal sales. With a PayPal business loan a borrower can qualify for as much as 30% of your annual PayPal sales. PayPal Working capital is for business owners who need working capital, and need the funds to cover day to day operations of their business. You can use the money to pay for Payroll, marketing, whatever really you need.

How PayPal Business Loans Work

These loans are offered to small business owners who have a strong history with PayPal sales. As a result, you have to be a PayPal merchant in order to get the PayPal business working capital. Through PayPal working capital, you can get up to 30% of your last 12 months of PayPal sales. In order to payback the PayPal working capital business loan you have to choose a % that PayPal which is automatically deducted from your merchant account every time you process a sale. Based on the repayment % and your sales history, PayPal charges a one-time fee on top of the loan principal balance. It’s important you realize that even though this is a PayPal company, PayPal itself doesn’t lend the money or evaluate your application. PayPal has a lender partner named WebBank which is the one that evaluates your PayPal working capital loan. In order to compare a PayPal business loan to other options you have to know how much you intend on borrowing, the repayment structure, the rates, and fees.

PayPal Working Capital Repayment

With a PayPal working capital loan, you choose a % of your daily credit card and debit card sales through PayPal to go towards repaying your loan. PayPal then deducts those payments for you automatically. It’s important to note that once you choose this % – it can never changed again during the business loan’s life. The bigger the slice of your daily payments you offer, the lower your fee will be, and the faster you can repay the PayPal business loan. On days where you have no sales, PayPal won’t deduct from your account. There is a minimum requirement you pay back at least 5-10% of your total loan amount every 90 days in order to keep your PayPal working capital loan in good standing.

PayPal Working Capital: How to apply

PayPal small business loan applications are simple. It’s just one application and that’s it. You can access this application through your PayPal account. There are four components of the PayPal application you have to worry about. First, you have to verify your identity. You have to also verify your business’s location, and provide some financial information. PayPal will prefill most of this info based on what’s in your PayPal account. You’ll typically know whether you were denied right after you verify the information. The second thing you’ll have to think about is how much you want to borrow and repay. Based on your choices, PayPal will show you the time it takes to repay the loan. Third, you’ll be asked to review the loan and its term. If you accept, the funds will be deposited into your account immediately.

denied paypal working capital

Denied for PayPal Working Capital: Here’s what to do

After you apply for a PayPal business loan you might be declined for a variety of reasons. Here are the top five reasons why business owner applications for a PayPal working capital loan are declined. Regardless of what the reason it – it’s possible we can help you and give you a working capital loan.

  • You don’t meet the basic needs. You don’t have three months of PayPal sales history, or some other minimum requirement
  • The loan amount you want is too high relative your sales
  • There are too many disputes or customer returns
  • There’s a bug in PayPal
  • You didn’t successfully pay back a previous loan from PayPal

Regardless of your reason – we can help. Sometimes a PayPal working capital lone is declined due to erroneous information the user puts in. You have to double check the reason you were rejected isn’t because of that.

Is PayPal working capital right for you?

After looking at PayPal working capital you’re probably wondering whether this option is right for your business. Frankly, depending on where you are – you might already be rejected. PayPal working capital is right for some businesses, but for others it may be wrong. Because PayPal working capital lends on a fast timeline, it can be a great resource. Plus, if you want a business loan without a credit check – then this might be the best option for you. If you have a strong credit score, with great revenue, then it might be better to speak to an alternative lender.

PayPal working capital vs other small business loan options

PayPal is just one of the many financing options available to you. Before you get a PayPal working capital loan you should understand other options you have, and how getting it compares to other options, their costs, repayment schedules, etc. PayPal’s loans are more expensive than traditional bank loans. Banks offer low cost small business loans with an APR of less than 10%. In order to qualify for a traditional bank loan you have to be in business for many years, have good credit, and be able to provide collateral. Many business owners don’t meet these guidelines, or simply can’t wait long enough to get the funding. Bank loans can also include SBA loans, which are federally guaranteed term loans which have low interest rates, and long repayment terms. The term can depend on how you plan on using the money. For example, if you need working capital you can get up to 7 years, if you need equipment purchases then you can get a term for 10 years, and if you’re purchasing real estate then you can get a 25 year term. Additionally, business bank loans can boost your business credit score if you make the payments for it on time. PayPal working capital loans don’t necessarily help you build credit.

Merchant Cash Advances are an alternative PayPal working capital is a small business loan, but are similar to merchant cash advances. Typically, merchant cash advance companies take a daily % of your business sales as repayment, similar to PayPal. Merchant cash advances are frowned upon due to their high fees. APR’s are typically 40-100%, depending on fees, etc. PayPal charges lower fees than typical merchant cash advance companies because they only lend to existing customers, which means they have less in marketing costs – and can make smarter underwriting choices.

paypal working capital on mobile phone

5 ways a working capital loan can help your business grow

If you own a business, you know how tough it is. You are working hard, making tough decisions, and always focus on having enough cash flow to keep your business afloat. With so many unexpected expenses, sometimes you might need extra funding. Once you realize you need funding, it’s time to apply for a business loan. Although business loans don’t seem like the best idea at first, you’ll be surprised in the numerous ways they can help grow your business. Below are 5 five ways PayPal working capital business loans can help your business.

Purchasing equipment –  Having proper equipment is crucial to running a good business. It can improve your overall productivity and help you grow. Purchasing or upgrading equipment can be expensive, and getting money is hard. Business loans can help you out, and allow you to purchase equipment you need.

Add more products –  When you want to add a new product, or service, to your company, you’ll need cash. Besides being able to purchase new equipment, you can also use the money to conduct R&D to develop new services and products. Adding new products and services can attract new potential consumers to your business, especially if your product is unique.

Hiring staff –  You need people to grow your business. Getting a PayPal working capital business loan can help you hire staff and can be expensive. When you work with Delancey Street, we can provide you with the capital you need to hire new staff. In addition to the staff’s salary, you will need to pay for other benefits like health insurance, pension, and more. Plus, you need to spend time searching for the right candidate.

Investing in marketing –  Successful marketing campaigns can bring you immense publicity, and help you get new customers to buy your product/service.

Expanding the business –  Expanding can help your business grow, but it takes immense money. If you find a PayPal working capital business loan with a great APR, you can use the funding to build up your business and enter a new market.

paypal working capital loan details

What is PayPal Working Capital?

It’s a business loan for PayPal sellers. They can apply in minutes, and get immediate access to the funds via their PayPal account. The PayPal working capital loan is repaid, plus a fee, on a weekly basis. Through PayPal working capital, borrowers can get up to 30% of their annual PayPal sales, with a maximum if $97,000 for their first loan.

As the name suggests, PayPal working capital is geared towards helping business owners cover their day to day operational expenses. It’s purpose is to help you pay for payroll, rent, and other marketing strategies that need funds. The bottom line is PayPal working capital can help you keep your doors open. PayPal business loans are one of the best options for getting funds to keep your business alive, and thriving. 

Working Capital and Working Capital Loans Explained From PayPal

Before we dig deeper into PayPal working capital, let’s discuss working capital. Working capital is the capital you have left over after you subtract your expenses, payroll, etc. Not having enough working capital on hands means you can’t cover your day to day short term costs of running your business. When you don’t have enough working capital, you can’t pay for your rent, payroll, general office costs, or weekly and monthly expenses. If you don’t have working capital, or if you have negative working capital, then you’re like struggling. Companies that have cyclical sales cycles tend to struggle with working capital because their income isn’t regular. 

If your business is struggling with working capital, or if you need more working capital to get your goals accomplished then a PayPal working capital loan might be the right fit for you. Many lenders offer traditional and alternative working capital loans. PayPal working capital is just one of the many options out there. 

PayPal Working Capital

PayPal Working Capital Eligibility

PayPal working capital loans are simple to qualify for, if you have an active PayPal merchant account. You just need to have a PayPal business or premium account for at least 3 months, with a minimum of $15,000 for business account holders, or $20,000 for premium account holders in annual PayPal sales. PayPal working capital doesn’t require a credit check, or credit history. So it’s a good option for people who want to improve their credit. Many traditional loans like bank loans, SBA loans, and medium term loans, take credit score into huge consideration. In contrast, PayPal working capital loans are more open-minded. Instead of using your credit score, PayPal relies on your sales history to see if you are a good fit for them. 

In order to compare PayPal business loans to other options, you have to compare apples to apples. So it means you need to know about the loan amounts, how its repaid, rates, and fees. 

PayPal Working Capital Amounts: The amount you get depends on the amount of total sales you bring to your PayPal merchant account annually. PayPal working capital will offer you only 30% of your annual sales. The limit for your first sale $97,000. Say you process $100,000 of annual sales, the largest you can expect is $30,000. You could take less than $30,000 – but this would be the limit. After paying off the first loan, you can apply for another loan. After the first loan, the loan amount is still limited to 30% of your annual sales – but the maximum amount will go up to $125,000 or more. 

PayPal Working Capital Rates/Fees: PayPal charges a fixed fee. The fee is determined by the size of the loan, the repayment % you select, and your history of PayPal sales. If you choose to repay the loan faster, you can select a larger % of your sales to go towards the repayment – the fe will be lower. If you have a strong history of PayPal sales, you’ll pay a smaller fee. This is because higher volume means faster repayment. If you have a strong history of PayPal account sales, PayPal believes you won’t default. 

PayPal Working Capital Repayment: With a working capital loan you can choose a % of your daily credit/debit card sales which come through PayPal to allocate towards the repayment. PayPal automatically will deduct the payments for you. It’s important you remember the % you’ve chosen the percentage. You cannot change it during the lifetime of your PayPal working capital business loan. The bigger the % of sales you are willing to offer in repayment, the lower your fee will be, and the faster you’ll repay the business loan.

On days you make no sales, PayPal won’t deduct any money from your account. There is a requirement to pay at least 5-10% of your total loan amount every 90 days in order to keep your PayPal working capital loan in good standing. The 5% applies to loans which are estimated to be paid back in more than 1 year. The 10% is necessary for loans which will be paid back within 1 year.

After the close of each day, the sales post to your PayPal account. PayPal will then notify you of the repayment amount. They will be multiply the % repayment by the volume of sales you brought in that day. You should make sure there’s enough money in the account to cover the payment – because PayPal will automatically deduct it! If there aren’t enough funds in your account, then PayPal will deduct catch up payments the next time you have enough money in your account. Catch up payments can only account for a maximum of 50% of your PayPal loan balance. 

paypal working capital credit bureau

Does PayPal Working Capital Report to Credit Bureaus

PayPal working capital doesn’t report to personal credit bureaus like Experian, or business credit bureaus like Dun & Bradstreet. This can be a downside for entrepreneurs. It means that responsibly paying off PayPal working capital wont help your credit. It does mean that responsibly paying off your PayPal working capital loan can get you better terms on consecutive loans.

How to Apply for PayPal Working Capital

A PayPal small business loan is easy to get. It’s just one application, which is accessible through your PayPal account. First you have to verify your identity, your business location, and some other financial information. PayPal will prefill most of the information, based on data already in your PayPal account. Second, you will need to specify how much you need to borrow and how much you’re looking to repay in terms of daily %. Based on your choices, PayPal will give you the estimated time it’ll take to repay the working capital you’re looking to borrow. Then, you’ll review the terms of the loan

Denied For PayPal Working Capital?

After you apply, PayPal might decline you. Below are the top five reasons for business owner applications for a PayPal working capital loan to be declined.

  1. You don’t meet basic requirements. You don’t have at least 3 months of PayPal sales history.
  2. The loan amount you’re seeking is too high relative to your annual sales.
  3. There are too many customer disputes in your PayPal account.
  4. You had trouble paying back a previous PayPal loan.

If you get rejected, you have to wait 3 days before trying again. When you wait for the 3 days, PayPal working capital has time to process the reason for the denial. Waiting three days also gives the algorithm time to process new data. PayPal doesn’t pull your credit during the application process. 

Is PayPal Working Capital Right For You?

After you’re done reading the review, you’re probably wondering whether this is the right option for you or not. These loans happen on a fast timeline. If you want a business loan without a credit check, this is the option for you. If you have a strong credit score, or if you’re bringing in a good amount of revenue, you might qualify for better options than what PayPal business loans offer. 

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