Companies like PayPal Working Capital
Companies similar to PayPal Working Capital, compared from their public pages in October 2026, for sellers wanting sales-based repayment.
PayPal Working Capital is a platform program with a fixed fee and sales-based repayment. Similar options include other platform programs and MCA providers.
Square Loans and Shopify Capital are the closest peers, each offering financing to its own sellers based on platform sales and repaid as a share of those sales.
Fundbox offers financing through platform partners.
MCA providers such as Credibly use sales-based repayment underwritten on bank deposits; National Funding lists working capital loans and equipment financing.
Merchant Fund Express is a marketplace with MCAs, lines of credit, second position funding and buyouts and a published 500 credit floor.
Key difference: PayPal does no personal credit check; most lenders and marketplaces do review credit.
Compare the effective cost of a fixed fee against total payback on other offers.
Why sellers look beyond PayPal: the offer reflects only PayPal sales, the 90-day minimum payment can bite in a slow season, and the maximum for first-time borrowers is $250,000. Multi-channel sellers often find PayPal shows only part of their revenue.
Illustrative example: a seller with $8,000 a month through PayPal and $22,000 a month through card terminals has $30,000 in monthly deposits. PayPal’s offer is sized on $8,000; a deposit-based funder reviews the full $30,000.
If you like PayPal’s no-credit-check structure, Square Loans and Shopify Capital use similar platform data. If you need a larger amount or a second position on top of an existing loan, a marketplace is the more direct comparison.
Repeat borrowers: PayPal raises its maximum to $400,000 for repeat borrowers.
Sellers can check PayPal and a deposit-based offer side by side before deciding.
| PayPal Working Capital | |
|---|---|
| How it works | Offers only to PayPal sellers |
| Minimum credit | No personal credit check (based on PayPal history) |
| Time in business | PayPal account 90+ days |
| Revenue | $15,000 annual PayPal sales (business account) or $20,000 (Premier) |
| Amounts | $1,000 to $250,000 (up to $400,000 for repeat borrowers) |
| Speed | Not published |
| Products | Loan with one fixed fee, repaid as a percentage of PayPal sales; minimum payment every 90 days |
| States | Not published |
Sources: PayPal Working Capital PayPal Working Capital, LendingTree review; checked October 2026. PayPal Working Capital is a trademark of its owner; Merchant Fund Express is not affiliated.
Compare total dollars repaid, payment frequency or percentage, and minimum payment rules. Multi-channel sellers may get a larger offer from deposit-based underwriting.
Good fit:
Compare first if:
Instead of applying to PayPal Working Capital and each similar company separately, one Merchant Fund Express application is matched with multiple funders. Credit from 500, same-day decisions, funding typically the next business day.
Square Loans, Shopify Capital, Fundbox, National Funding, Credibly and Merchant Fund Express.
Square Loans and Shopify Capital.
Most lenders and marketplaces do; PayPal does not.
Merchant Fund Express.
Total repayment and minimum payment rules.
Shopify Capital says it does not check credit; Square Loans has no published score minimum.
$400,000.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
