PayPal Working Capital
A revenue-based advance against your PayPal sales history, available to businesses with a PayPal Business account open 3+ months and, per PayPal's own published eligibility criteria, annual sales from £9k. No credit check of any kind (soft or hard); eligibility is assessed from PayPal sales data instead, and repayment is a set percentage of daily PayPal sales rather than a fixed schedule. Not FCA-regulated and not a fit for a business without meaningful PayPal-processed turnover.
Quick verdict
- Product: Merchant cash advance (revenue-based).
- Ticket band: Up to £160k (£225k for repeat borrowers).
- Pricing: Single fixed fee, disclosed in your offer before you accept it; not an APR/interest structure.
At a glance
PayPal Working Capital, at a glance
- Legal entity
- PayPal (Europe) S.à r.l. et Cie, S.C.A.
- Product
- Merchant cash advance (revenue-based)
- Ticket range
- Up to £160k (£225k for repeat borrowers)
- Decision time
- Minutes once approved
- Ltd-only
- No, the lender also accepts other structures
Where PayPal Working Capital is strong
- Funding in minutes once approved, among the fastest of the lenders we review for an eligible PayPal seller.
- No personal guarantee and no credit check of any kind; eligibility is based on PayPal sales history instead.
- Repayment flexes with sales (a fixed percentage of daily takings), so a slow week costs less than a fixed loan instalment would.
Watch-outs, and when another lender may suit better
- Not FCA-regulated, so the standard consumer-credit protections and Financial Ombudsman recourse that apply to regulated lending do not apply here.
- Only available against PayPal-processed sales; a business that doesn't route meaningful turnover through PayPal can't use it.
- No published rate card outside the application: you only see your actual fixed fee once PayPal generates an offer for your account, so upfront cross-lender comparison is harder.
Best fit applicants
- PayPal-heavy e-commerce and online sellers wanting same-day funding against sales history
Where PayPal Working Capital is the wrong fit
- Businesses without meaningful PayPal-processed turnover
- Applicants wanting FCA-regulated lending or a fixed repayment schedule
If declined by PayPal Working Capital
If your application to PayPal Working Capital is declined, ask the lender for the reason in writing. Some alternatives are named in the watch-outs section above. See also our guide to why lenders decline, by reason.
Other lenders we list
- 365 Business Finance, Merchant cash advance (revenue-based finance)
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan, asset finance + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
How we rate PayPal Working Capital
This review is FundBiz's own editorial assessment, scored against a published framework. See our methodology for how we rate each lender.
FAQ
What can I borrow through PayPal Working Capital?
PayPal Working Capital offers merchant cash advance (revenue-based). Ticket range: Up to £160k (£225k for repeat borrowers). Typical rate: Single fixed fee, disclosed in your offer before you accept it; not an APR/interest structure.
How long does PayPal Working Capital take to decide?
Minutes once approved
Who is PayPal Working Capital the best fit for?
First on the list: PayPal-heavy e-commerce and online sellers wanting same-day funding against sales history. The full list is under Best fit applicants above.
When might another lender suit better than PayPal Working Capital?
First on the list: Businesses without meaningful PayPal-processed turnover. The other cases are under Where PayPal Working Capital is the wrong fit above.
Send an enquiry
Tell us what you need in 2 minutes. FundBiz is not a lender and does not run a credit check. We pass your enquiry to a business finance broker, who will contact you about your options. For limited companies, LLPs and partnerships with four or more partners.
Send an enquiry →Official site: PayPal Working Capital
Last updated: . By Adam Parker. FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman.