My Experience With Paypal Working Capital

Erika and I are coming to our end of our first run with PayPal working capital.

In fact, we just made the final payment today, so that we can immediately turn around and get a $5,000.00 loan for upgrades to the business.

This got me thinking…

PayPal working capital is dope, but does everyone know it’s awesome?

Naturally, I had to break it down with a blog post.

First off, what is PayPal Working Capital?

It’s a business loan with one affordable, fixed fee. You repay the loan and fee with a percentage of your PayPal sales.

Generally speaking, if you’re approved, the loan is available instantly.

What about Credit?

Working capital doesn’t run your credit, so you’re good there.

The only thing I would tell you, is that you’ll want to actually have a business that’s generating revenue through PayPal before applying because that’s really all they have to go on.

Lastly, and I really liked this, is that there isn’t a ton of hidden fees. It’s really just an affordable fixed fee and they take a small percentage out of your future sales so if you’re like us where the sales are coming in all day every day, you won’t even really notice it.

Our first time using PayPal for a loan, we chose $2,000.00 based off what we qualified for, and 15% as the option of what they would take out of future sales until the loan was paid back.

Literally, never a hiccup or complaint from us the entire time we went through the loan.

Every day they would take 15% off the top of each sale that came in, and over time, the balance shrunk.

Now, you’re probably wondering if this is for you?

The answer is, I’m not really sure. It really depends on if you’re wanting a loan quick, if you do business already on PayPal, and/or if you have possible credit issues that could mess with going through an actual bank.

Believe me, I’ve been there.

Needing that new laptop, podcast mic, or camera for your business and not having the cheese.

The Banks don’t trust you for a business loan because your credit sucks, and every dime you’re profiting is already going back into business expenses.

So, what do you do?

PayPal working capital can be the life saver you need.

Now, for some final thoughts on this loan option for you before I wrap this thing up.

It’s really easy to get excited about having a $2,000.00 – $5,000.00 just hit your bank account after applying for it.

It can also be really messy.

So, you want to make sure that every dollar is accounted for, and that it’s only going towards actual business related expenses or enhancements.

We purchased an iMac with our first loan, and it absolutely changed the game for us.

Our trainings were better, more storage space, faster downloading, and so much more.

I would personally only do this, or get a bank loan for that matter, if your business can actually benefit from the purchase.

Otherwise, continue trucking along, and keep PayPal working capital in the back of your mind for when you really find yourself in need.


Hope you enjoyed this quick review.

If you have any questions, feel free to ask below!

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