PayPal Working Capital

In most cases, working capital is the difference between your business's assets and liabilities. Businesses use working capital to run their business and pay for everyday expenses as well as invest in new projects and initiatives.

PayPal Working Capital is a business loan with one competitively priced fixed fee. You repay the loan and fee with a percentage of your PayPal sales (minimum payment required every 90 days). There are no periodic interest charges, monthly bills, late fees, pre-payment fees, penalty fees, or any other additional fees.

The process is easy. If approved:

1. Select your loan amount. The maximum advance amount depends on your PayPal account history
2. Choose the percentage of your PayPal sales that will go toward repaying your loan and fee.
3. Receive the funds in your PayPal account generally within minutes.

Repay automatically with a percentage of each sale until your balance is paid in full (minimum payment required every 90 days). You can also make manual payments or even pay the loan in full with no early repayment fee, using your PayPal balance or a linked bank account.

To be eligible to apply for PayPal Working Capital, your business, at a minimum, must:

1. Your business has had a PayPal business account for 90 days or more.
2. You process at least $15,000 in eligible PayPal sales annually³
3. Pay off any existing PayPal Working Capital loan.
4. Pay off any existing PayPal Working Capital loan. (except if you’re invited to refinance early)
5. Live in Australia

See full PayPal Working Capital terms and conditions

There’s just one fixed fee, which will be explained before you complete your application for PayPal Working Capital. This is not an upfront fee and you are not required to pay it before accessing the loan. The fee will be repaid as part of your repayments. There's no interest, no late fees, and no fees for any additional repayments you make. Your standard transaction and currency conversions fees will continue to apply. See PayPal’s ‘Combined Financial Services Guide and Product Disclosure Statement' for details.

Because your automatic repayments get deducted as a percentage of each PayPal sale, the amount you repay each day changes with your sales volume. The more you sell, the more repayment progress you’ll make that day. On days without sales, you’ll make no payments, but there is a minimum repayment requirement every 90 days.

Depending on the selections you made in your loan application, you must pay at least 5% or 10% of your total loan amount (loan + the fixed fee) every 90 days.

The 5% minimum applies to loans we estimate will take 12 months or more to be repaid, based on your past sales and other factors. The 10% minimum applies to loans estimated to be repaid within 12 months.

If you do get behind, you can make additional payments on the PayPal Working Capital website.

If you don’t meet the minimum repayment amount, your entire loan balance could become due immediately. Please see Section 12 of the terms and conditions to learn more about default.

You are only able to have one open PayPal Working Capital loan at a time. As many customers do, you can apply for another loan once your current one is paid off. Future applications are subject to eligibility.