Financial services

Cards and funding to keep your business moving.

Whether it's a debit card or access to business funding, apply for financial solutions you need with the payments provider you trust. It all starts with a PayPal Business account.

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Fund your next big idea. Invest in your growth. Pay business expenses. Need financial solutions? You’re in the right place.

Reward your business with a debit card that rewards you back

The PayPal Business Debit Mastercard® lets you earn unlimited 0.5% cash back on eligible purchases1—with weekly payouts and no minimum spend. You can even spend your PayPal balance in stores and online wherever Mastercard is accepted.

More About the Business Debit Card

A cash advance that’s repaid with a share of each PayPal sale²

PayPal Working Capital approval is primarily based on your PayPal Business account history.

  • Approved advances are usually funded in minutes3

  • Flexibility to use on whatever your business needs

Fast Funds For Your Business Needs

Minimum eligibility requirements for PayPal Working Capital

PayPal sales

You’ve processed at least £9,000 in eligible PayPal sales in the last 12 months.4

Account history

Your business has had a PayPal Business account for 90 days or more.

Cash Advance status

Have repaid any prior PayPal Working Capital cash advances before applying for another.

Business account

Your business is registered in the United Kingdom.

Sole traders aren't required to be registered in the United Kingdom to have access to PayPal Working Capital.

See PayPal Working Capital terms and conditions.

We love to help businesses meet their goals

940K+
PayPal Working Capital advances*
£10B+
in PayPal Working Capital funding*
96%
of surveyed borrowers said they would borrow again**
*Based on global PayPal Working Capital data Sept 2013 - June 2023
**Based on global PayPal Working Capital Net Promoter Score Surveys, May 2022 – May 2023

We support businesses

just like yours

Every business needs a reliable payment partner. From secure payment processing to helpful business insights, we’re here for you.

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All screen images shown are for illustrative purposes only. Actual experience will be based on account activity.
PayPal sales history and account behaviour, along with other criteria, are used to determine eligibility and the advance value offered. PayPal reserves the right to review and amend its eligibility criteria without notice. See full terms.
1
Eligible business expenses only. Terms and conditions apply.
2
You must not divert sales from PayPal while the cash advance is outstanding, and a minimum payment is required every 90 days.
3
Eligibility assessed at point of application and remains subject to bankruptcy, compliance and other standard checks. Funding time is typically less than a minute. PayPal sales history and account behaviour, along with other criteria, are used to determine eligibility and the advance value offered. PayPal reserves the right to review and amend its eligibility criteria without notice. See full terms.
4
Eligible sales are those made through your PayPal account net of any transaction reversals and excluding any non-business person-to-person transfers. Also excluded are any transfers or deposits you make yourself into your PayPal account, and any gambling transactions.