PayPal Working Capital
Instant, credit-check-free loans for PayPal merchants with automatic sales-based repayment.
Funding Range
Funding Speed
Min. Monthly Revenue
Credit Requirement
About PayPal Working Capital
PayPal Working Capital offers business loans to PayPal merchants based on their PayPal sales history. Repayment is automatic — a percentage of each PayPal sale goes toward the balance, so payments adjust with sales volume.
Requirements
3 months
$5,000
No credit check
1.05 - 1.25
Industries Served
Pros
Cons
How to Apply to PayPal Working Capital
Before applying to PayPal Working Capital, check your qualification first. Upload your bank statements anonymously — see what an underwriter would think before any lender sees your file. Know your risk flags, understand your position, and only apply when your file is strong.
Ready to See If You Qualify?
Upload your bank statements anonymously and get an instant underwriter-grade analysis. No credit pull. No commitment. No one contacts you unless you want them to.
Compare With Other Lenders
Square Capital
Invitation-only loans for Square merchants with industry-low factor rates.
Shopify Capital
Performance-based funding for Shopify merchants with no credit checks or applications.
Amazon Lending
Exclusive, low-rate funding for Amazon sellers to scale inventory and operations.