When PayPal entered the industry as an online payment system, it completely transformed the market and industry. To this day, PayPal still leads the industry, making new advancements in online payment, giving customers more purchasing power. Today, PayPal even offers support and empowerment for small business owners.

If you are a business owner seeking extra capital for this business and use PayPal already as a Premier or Business member, PayPal has a service called Working Capital. Today, we are going to review this small business loan program and how it can potential benefit you!


PayPal working capital, or business capital loans, is one of the fastest turnaround systems on the market today. On top of this, PayPal does not perform any credit checks, making this a favorable option for profitable business owners with bad credit.


The biggest complaint that surrounds PayPal working capital is the lack of information and requirements regarding the program. On top of this, the customer representatives at PayPal seem to offer very-or-little help regarding the working capital program. We also would like to note that PayPal has a higher APR than competing companies.

Loan and Lender Information

If there is one company around the world that businesses know well, it’s PayPal. In recent years, PayPal began offering short-term business loans to small businesses to help out these owners by providing extra capital – this is called PayPal Working Capital. These loans are relatively different than other typical loans that owners may open through banks. PayPal offers there services only the small businesses that already use PayPal for receiving and recording business sales. On top of this, business owners must also have:

  • PayPal Business or Premier account for 3 months
  • $20,000-$20 million on PayPal
  • No existing PayPal Working capital loan.

Now, before you are quick to apply, let’s take a look at the rates and fee for this program.

Rates and Fees

PayPal Working Capital is a great program for small business owners that are already using PayPal’s services. As far at rates and fees are concern, business owners should anticipate their loan to match 4%-5% of their total annual income, based on PayPal’s system. In other words, any money not tracked through PayPal will count. The annual percentage rating will vary between 15%-30%, which is considerably higher than competing companies.

Now, if you are like most companies, you might be thinking about the payback period, correct? Well, with this program PayPal will take out 10%-30% of all PayPal sales until the entire Working Capital loan is repaid. The only other thing you must take into consideration is the One-Time fixed fee, which you will discover once you apply.

Application Process

If you are interested in the PayPal Working Capital and meet all of the above requires, it is incredibly easy to apply. In fact, you can do it all in 3 simple steps:

  • Visit PayPal Working Capital and select loan amount.
  • Pick a % for payback purposes.
  • You should receive approval within minutes. If you are approved, your loan will be available in PayPal momentarily.


In our opinion, there are many different things that PayPal did right by creating the Working Capital program. Primarily, business owners are able to apply for quick-and-easy business loans, which are predetermined based-upon how many sales businesses have tracked using PayPal. The only downside to this program is their relatively high APR rates and payback program. Reason being, APR rates across the market are lower and the payback program forces business owners to payback from each sale, which may not be preferable.