Last Updated: 02/23/2026
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Factor Rate
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Amount Range
Up to $125,000
Minimum Revenue
$15,000
APR (Fee-Based Product)
N/A
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
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