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Founded: 20013

Location: San Jose, CA

Website: www.paypal.com/workingcapital

Our Review:

Overview: PayPal launched its Working Capital pilot program in 2013 before opening up to all PayPal users in 2014. This lending service is intended to make it easier for merchants to get hold of capital to grow their businesses.


Loan/Cash Advance Amount Up to 30% of PayPal sales volume (max of $97K on first loan and $125K on subsequent loans)
Minimum monthly revenue at least $15,000 to $20,000 in annual PayPal sales volume
Time in business 3 months as a PayPal Business or Premium account holder
Minimum credit score NONE
Repayment terms Not fixed, but must pay back 5% to 10% of loan every 90 days

Key Features:

  • Must be in business and process credit/debit cards through PayPal for at least three months
  • Required to have a PayPal business or premier account
  • Must process a minimum of $20,000 annually in sales via PayPAl
  • PayPal Working Capital sends invitation by email to eligible candidates Merchant cash advance
  • Five minutes to apply
  • Can receive funds in less than a minute after application is approved
  • No origination or application fees
  • No collateral or personal guarantee required

Consider if:

  • You process lots of sales through PayPal
  • You need a business loan very quickly
  • You need a fairly small amount of working capital for general operational expenses (not a major acquisition or business expense)

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