Your Capital, Your Way.

Get the finance your business needs with fast and easy funding from PayPal Working Capital. Loans range from $1,000 to $350,0001, perfect for adding inventory, managing cash flow, or investing in your business.
Apply now

1PayPal sales history and account behaviour, along with other criteria, are used to determine eligibility and the advance value offered. PayPal reserves the right to review and amend its eligibility criteria without notice. See full terms: paypal.com/au/workingcapital/terms


Why choose PayPal Working Capital?

PayPal Working Capital is a fast and easy business loan. It can be used for small to large purchases and is repaid automatically as a percentage of your PayPal sales.

Speedy decision and funds

We usually let you know if you’re approved straight away. If approved, and you accept, we’ll transfer your funds to your PayPal account within minutes. Then, you can instantly transfer those funds to your bank account.1

Flexibility

From new technology to extra supplies, or equipment upgrades to marketing, you can spend your funding however you like. You pay just one fixed fee that we detail upfront in your offer, which means there are no additional fees to worry about.3

Repay as you get paid

You repay your loan balance automatically using a percentage of your daily sales, which you choose during the application. There’s no added charges if they fluctuate and on days with no sales, you pay nothing.2

No credit check

Because the loan is based primarily on your PayPal sales history, we don't need to do an external credit check. So when you apply for PayPal Working Capital, it won’t impact your credit score.4

How can I use PayPal Working Capital?

It’s completely up to you how you use your funding.

  • Invest in marketing
  • Purchase stock and inventory
  • Pay business invoices
  • Pay for overheads
  • Hire additional staff
And more. Your Capital, Your Way.

How is PayPal Working Capital Different?

iconicon
Credit card
bank
Traditional Bank loan

Documentation required

None

None

Extensive documentation is typically required including financial statements from the past 2 to 3 years and business legal documents

Application time

~ 2 minutes

~ 20 minutes

Days to weeks

Funding time

Instant

1 week to receive card

Days to weeks

External credit check

No

Yes

Yes

Collateral

No

No

Yes

Repayments

Percentage of each sale

Monthly payment

Monthly fixed payment

How cost of loan is billed

One fixed fee

Periodic interest

Periodic interest

Additional fees for credit

None

Annual and late fees

Application, annual, early repayment, and late fees

How does it work?

How much funding could I receive?

Loans range from $1,000 to $230,000 for first time applicants and up to $350,0001 for subsequent applicants. Your maximum funding amount is based on your PayPal sales volumes, account history, and any prior usage of PayPal Working Capital (where relevant). Applying has no impact on your business or personal credit score, and if you’re approved, you’ll get your funds in minutes.

1PayPal sales history and account behaviour, along with other criteria, are used to determine eligibility and the advance value offered. PayPal reserves the right to review and amend its eligibility criteria without notice. See full terms: paypal.com/au/workingcapital/terms

Is it for you?
Find out in 2 minutes how we've helped our customers grow their businesses.

How to Apply

Applying for Working Capital is easy. There are just 3 simple steps, it only takes a couple of minutes to complete an application and there’s no external credit check. So, you can apply as many times as you like without affecting your credit score.

Eligibility Criteria
As of 5 days before completing the application, you're eligible to apply for PayPal Working Capital if you:

Have had a PayPal business account for 3 months or more.

Live in Australia.

Have paid off any existing PayPal Working Capital loan.

Process at least $15,000 in eligible sales in the previous 12 months.

Haven't got a business account? Get one here now.

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Frequently asked questions

How does PayPal Working Capital work?

PayPal Working Capital is a business loan with a single fixed fee.3 You repay the loan and fee with a percentage of your PayPal sales.
The process is easy:
1. Select your loan amount. You can borrow up to 25% of your PayPal sales over the past 12 months.
2. Choose the percentage of your future PayPal sales that will go toward repaying your loan and fixed fee.
3. If approved, receive the money in your PayPal merchant account.
4. Repay automatically with a percentage of each sale until your balance is paid in full. You can also make manual payments or even pay the loan in full with no early repayment fee, using your PayPal balance or a verified linked bank account.

Still have questions before applying? Call us and we'll be happy to help.

1800 286 793
8:00am - 8:00pm AEDT
Monday - Friday

PayPal Working Capital is provided by PayPal Credit Pty Ltd ABN 66 600 629 258 (PayPal Credit). Eligibility and the stated maximum loan amount are based on internal PayPal account data and history assessed by PayPal Credit at the time of application. PayPal Credit reserves the right to review its eligibility criteria and to withdraw an offer at any time, without notice. Please see full terms and conditions here.

  1. PayPal is not responsible for any delays on a receiving institution’s part or for technical issues beyond its control. Fee for withdrawing balance to eligible linked debit card or bank account is 1% of the amount transferred, with a minimum fee $0.25AUD and maximum fee of $10AUD for AUD currency withdrawn. For more information please refer to section 18 of our Combined Financial Services Guide and Product Disclosure Statement (CFSGPDS).
  2. Customers must not divert sales from their PayPal merchant account while the loan is outstanding, and a minimum level of repayment is required. Please see full terms and conditions for more information.
  3. Your standard transaction and currency conversion fees apply - refer to CFSGPDS (Combined Financial Services Guide and Product Disclosure Statement). See full terms and conditions.
  4. No credit check with credit bureau. PayPal Credit will conduct internal risk assessment and review of PayPal merchant account and sales history.