Skip to content
SuperMoney logo
SuperMoney logo
Merchant Cash Advance
Merchant Cash Advance
1 more
Last Updated: 02/23/2026

PayPal Working Capital

from PayPal Inc

Last Updated: 02/23/2026
PayPal Inc logo
Rating not yet determined1 total votes
1 users recommend
Cast Your Vote icon
Cast Your Vote

Compare All Merchant Cash Advance

Filter & compare all your options in one place.

Filter & compare all your options in one place.

View All Products
Highlights icon

Highlights

Factor Rate

N/A

Amount Range

Up to $125,000

Minimum Revenue

$15,000

APR (Fee-Based Product)

N/A
Speech bubbles icon

PayPal Working Capital Review

PayPal Working Capital is offered by PayPal Inc, founded in 1998 and based in San Jose, CA. PayPal Working Capital are available in 50 states and Washington, DC.

PayPal Working Capital FAQ

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 PayPal Working Capital off early.

What types of repayment method does PayPal Working Capital accept?

PayPal Working Capital accepts the following repayment method from the Merchant:
  • Split withholding
  • ACH withholding

How often does PayPal Working Capital process payments?

PayPal Working Capital processes payments daily based on your business's credit card transactions. This means that a percentage of your transactions will automatically be sent to PayPal Working Capital as payment for your cash advance until the full amount is paid.

Does PayPal Working Capital charge an origination fee?

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

What is the minimum repayment amount required by PayPal Working Capital?

PayPal Working Capital requires a minimum payment of 5% of the total amount advanced from the merchant when the payment is due.

What is the estimated funding time for a merchant cash advance via PayPal Working Capital?

PayPal Working Capital can fund your merchant cash advance within 0 business day of approval.

What are the business financing requirements for PayPal Working Capital?

To apply for PayPal Working Capital, you need to provide the following business documentation:
  • Business license
  • Business bank account

What do you need to qualify for PayPal Working Capital?

Applicants with a credit score of at least 560 and up to 850 may be eligible for PayPal Working Capital. The minimum age to be eligible is 18 or the state minimum, whichever is higher.
PayPal Working Capital does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by PayPal Working Capital.
To qualify, applicants may need to provide the following documentation:
  • Proof of income
  • Bank account information
  • Business formation documents
  • Proof of identity

SuperMoney Disclosure: SuperMoney.com 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.

Contact

Headquarters

2211 N First St
San Jose, CA 95131
(402) 935-2050
Visit Site
Email Support

Other Services by PayPal Inc

Checking Accounts

Be the first to rate

Money Transfer Services
59
13

79 Reviews

Business Loans

2 products

28
41

76 Reviews

Business Credit Cards

Rating not yet determined (1 Review)

Credit Cards

2 products

8
5

13 Reviews

Prepaid Debit Cards
39
7

49 Reviews

Personal Lines of Credit
7
12

19 Reviews

Budgeting Apps

Rating not yet determined (2 Reviews)

SuperMoney Net Recommendation Score

Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.

+100

-1000+100
No one recommends
Everyone recommends
The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

PayPal Working Capital Community Reviews

Would you recommend PayPal Working Capital to your friends?

Heather D. avatar image

Heather D.

Mar 26, 2022

May or may not recommend

PayPal is a trusted platform to not only use for personal money transfers or your business transfers. It's loan process is simple and easy, up to 125,000 approvals and no prepayment fees recieve approval within one hour and even get funding same day!

Showing 1 of 1 reviews

You might also like

Browse Merchant Cash Advance

Finance Factory Merchant Cash Advance
BusinessLoans.com Merchant Cash Advance
1West Merchant Cash Advances