PayPal Working Capital

PayPal Working Capital

in Business Loans from PayPal Inc


PayPal Working Capital


in Business Loans from PayPal Inc

SuperMoney Net Recommendation Score -15%



Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

Mostly not recommended

27 users recommend
6 users are unsure
38 users don't recommend
Cast your vote

Would you recommend PayPal Working Capital to your friends?

Thanks for your vote!

You voted: May or may not recommend

Community Rating Mostly not recommended
Loan Amount Up to $125,000
APR  (Fixed APR) 36% - 120%
Loan Term (Months) N/A
Number of Reviews 71

PayPal Working Capital Review

PayPal Working Capital is a business financing offering by PayPal Inc, based in San Jose, CA. Founded in 1999, PayPal Inc offers access to business loans in 50 states (and Washington, DC).

PayPal Working Capital FAQ

What are PayPal Working Capital’s rates?

PayPal Working Capital offers a fixed APR business financing product that ranges from 36% APR up to 120% APR.

Does PayPal Working Capital charge an origination fee?

No, PayPal Working Capital does not charge a loan origination fee. A loan origination fee is what some lenders charge for processing, underwriting, and funding a loan. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.

What limitations does PayPal Working Capital set on the purpose of the loan?

PayPal Working Capital considers loan applications for business purposes, such as:

  • Equipment Purchase
  • Product or Service Expansion
  • Working capital

What types of business loans does PayPal Working Capital offer?

Not all business loans are made equal. The type of loan you choose will determine the range of rates and terms you receive. PayPal Working Capital provides access to the following business loan types:

  • Merchant Cash Advances

Does PayPal Working Capital charge prepayment fees?

No, PayPal Working Capital does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.

What do you need to qualify for PayPal Working Capital?

PayPal Working Capital requires companies to be in business for at least 12 months. Businesses must have a minimum annual revenue of $15,000 to be considered.

Applicants with a credit score of at least 560 and up to 850 may be eligible for PayPal Working Capital.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via PayPal Working Capital. Their rates fall within the limits of The Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by PayPal Working Capital. Permanent resident / green card holders are also eligible to apply.

To qualify, applicants may need to provide the following documentation:

  • Proof of income
  • Proof of identity

What is the estimated funding time for a business loan via PayPal Working Capital?

PayPal Working Capital can approve (or deny) a loan application within 1 hour and fund business loans within 0 business day of approval.

SuperMoney Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Our Editor

What We Love About PayPal Working Capital Loans

PayPal Working Capital is one of the simplest, quickest ways to fund a business with capital. Those who use PayPal as a payment portal can apply for a loan based solely on their transaction and relationship history with PayPal over time. This funding will be approved instantly, with only a few questions required, such as how much the borrower actually wants (based on pre-approved amounts offered by PayPal), and if they agree to repay the funds out of their sales transactions. Most accounts are funded instantly, too.

What Could PayPal Working Capital Do Better?

The options for PayPal’s working capital loans are quite limited. For example, one borrower was only given the option to borrow two different small amounts. The repayment terms are also set in stone. Borrowers won’t be able to negotiate paying less on the repayment or taking longer to get it paid off-- a certain percentage is taken from each sale until the loan is repaid, starting within the first seven days.

PayPal Working Capital Backstory

PayPal launched its Working Capital branch in 2013 as a way to help small businesses get fast access to capital so that they could continue to grow. The company has provided over $1 billion in funds to more than 60,000 small businesses in the U.S., UK, and Australia since it began. PayPal remains one of the primary financial solutions for small businesses in these countries and elsewhere around the world.

The Verdict

PayPal Working Capital is quick and easy if that’s what you need. You won’t have the flexibility in repayment terms or negotiations like you might with some lenders, but then when you need quick capital, leverage isn’t really important. All in all, we give this one a win for the quick cash and hassle-free repayment (PayPal just takes the money from your transactions as they happen, so you don’t even notice you’re repaying the loan).


  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Origination Fee
No Prepayment Fee
Origination Fee (%) Starting at 0%
Credit Score Range 560 - 850
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Minimum Months in Business 12
Minimum Revenue $15,000
Verification Documents Required
  • Proof of Income
  • Proof of Identity
Approval Speed 1 hour
Funding Time Range 0 - 7 days
Loan Amount Up to $125,000
APR (Fixed APR) 36% - 120%

PayPal Working Capital Community Reviews


Would you recommend PayPal Working Capital to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)



Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

sorted by

Other Business Loans

PayPal Inc Business Loans