PayPal Working Capital

Generally, working capital is the difference between your business's assets and liabilities. Businesses use working capital to run their business and pay for everyday expenses as well as invest in new projects and initiatives.

PayPal Working Capital is a business cash advance with one competitively priced fixed fee. You repay the cash advance with a percentage of your PayPal sales (minimum payment required every 90 days). There are no periodic interest charges, monthly bills, late fees, pre-payment fees, penalty fees, or any other fees.

The process is easy. If approved:

1. Select your cash advance amount. The maximum advance amount depends on your PayPal account history.

2. Choose the percentage of your PayPal sales that will go toward repaying your advance and fee.

3. Receive the funds in your PayPal account within minutes.

Repay automatically with a percentage of each sale until your balance is paid in full (minimum payment required every 90 days). You can also make manual payments or even pay the advance in full with no early repayment fee, using your PayPal balance or a linked bank account.

To be eligible to apply for PayPal Working Capital, your business, at a minimum, must meet the following requirements:

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

2. You process at least £9,000 in eligible PayPal sales annually.⁷

3. You pay off any existing PayPal Working Capital cash advance (unless you are invited to renew early).

4. Your business is registered in the United Kingdom.

Sole traders aren't required to be registered in Companies House to have access to PayPal Working Capital.⁸

There’s just one fixed fee, which will be explained before you complete your application for PayPal Working Capital. There's no interest, no late fees, and no fees for any additional repayments you make.

There are no additional charges if your PayPal sales fluctuate or if you have days without sales. However, regardless of sales volume, a minimum level of repayment is required every 90 days, calculated from the day you receive your cash advance. Your minimum repayment amount is determined by your business profile and the terms of the cash advance you select, but will not be more than 10% of your repayment amount (cash advance plus fixed fee). If you don’t meet this requirement, we may ask you to repay the total amount outstanding.

The minimum repayment amount applicable to your cash advance will be outlined in your terms and conditions, which you will view before completing your application, as well as within the application flow.

You are only able to have one open PayPal Working Capital advance at a time. As many customers do, you can apply for another cash advance once your current one is paid off (unless you’ve been invited to renew early). Future applications are subject to eligibility.