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 routing verdict
- Product: Merchant cash advance (revenue-based).
- Ticket band: Up to £160k (£225k for repeat borrowers).
- Decision time: Minutes once approved.
- 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
- Lender accepts other structures, FundBiz routing is Ltd-only
- Last reviewed
- 2026-09-01
Why we route here
- Funding in minutes once approved, the fastest route on this panel 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.
When we route elsewhere
- 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 does not route meaningful turnover through PayPal cannot 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, the FundBiz post-decline matcher routes by decline reason. Common alternatives in our panel are listed in the "When we route elsewhere" section above. See also our guide to why lenders decline, matched by reason.
Other panel lenders
- 365 Business Finance, Merchant cash advance
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan + 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?
PayPal-heavy e-commerce and online sellers wanting same-day funding against sales history
When would FundBiz route you away from PayPal Working Capital?
Businesses without meaningful PayPal-processed turnover Applicants wanting FCA-regulated lending or a fixed repayment schedule
Run the matcher
Tell us your turnover, sector and ticket size. We score against PayPal Working Capital and the wider FundBiz panel, then surface the lenders most likely to approve. Limited companies, LLPs and partnerships of 4+ only.
Open matcher →Official site: PayPal Working Capital
Last reviewed: 2026-09-01. By Adam Parker. Reviewed by Oliver Mackman.