Frequently asked questions

PayPal Open

One platform

for all business

Get paid. Get growing. Get smarter.

Do more with the platform designed to power commerce.

Apply in minutes. Get a decision and 
funds quickly.3

Fast business funding

Applying is quick and easy. If approved, get up to £160,000 (or up to £225,000 for repeat borrowers).1

No surprise fees

Pay just one transparent, fixed fee. No periodic interest or hidden fees are applied.

Frictionless approval

Approval is based on your PayPal sales, account history and
other criteria. No need for documentation during the application.

Repay your way

You choose a percentage of your PayPal sales for automatic payments so it’s easier to manage your cash flow.

Check your eligibility

Minimum eligibility requirements5

  • Your business has had a PayPal Business account for 90 days or more

  • You process at least £9,000 in annual PayPal sales6

  • You’ve paid off any existing PayPal Working Capital cash advance

  • Your business is registered in the United Kingdom

  • Sole traders are required to be registered in the United Kingdom to have access to PayPal Working Capital

  • See PayPal Working Capital terms and conditions

Get started today

Apply

Complete the application

No extensive documentation required. We usually let you know if you’re approved straight away.*

Select terms

Select your terms

If approved, chose the percentage of your PayPal sales that will go toward repaying your cash advance and fee. Then read, agree to, and download the terms and conditions.3

Get funding

Get funding fast

Once approved, you’ll receive the funds in your PayPal Business account within minutes.

Repay

Start repayment

Repay automatically or manually with a percentage of each PayPal sale until your advance is paid in full. Minimum payment required. No early repayment fee.**

“I think it's a no-brainer for people to look into and it can really, really help you make a step change in your business.”

— Dov Tate, Founder and MD, Parcours

PayPal Working Capital

Get fundsfast. Repayas you earn.

Get quick access to financing if approved. With PayPal Working Capital, you can get funding based on your PayPal sales, account history1, and other criteria, and repay automatically with a percentage of your sales.2