PayPal Working Capital requirements
PayPal Working Capital requirements per PayPal’s page and a LendingTree review, checked October 2026: PayPal account 90+ days, $15,000 or $20,000 annual PayPal sales, no personal credit check.
Because underwriting relies on PayPal data, the requirements are about your account and sales, not your credit score.
| 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.
Account age: 90+ days. A new PayPal business account needs at least three months of history.
Sales: $15,000 in annual PayPal sales for a business account or $20,000 for a Premier account. Only PayPal volume counts.
Credit: no personal credit check, per PayPal.
Amount: $1,000 to $250,000, rising to $400,000 for repeat borrowers.
Repayment: a percentage of PayPal sales plus a minimum payment every 90 days. Make sure your PayPal volume comfortably covers that minimum.
Worked check (illustrative): with $40,000 in yearly PayPal sales, roughly $10,000 lands in each 90-day period; that volume needs to cover the minimum payment shown in your offer.
Business versus Premier accounts: PayPal sets a lower sales threshold for business accounts ($15,000 a year) than for Premier accounts ($20,000). If you sell enough to qualify and still use a Premier account, it is worth knowing which threshold applies to you before you expect an offer.
Choosing your repayment percentage: PayPal lets you pick the share of each PayPal sale that goes to the loan. A higher share repays sooner; a lower share leaves more cash each day but takes longer. Because the fee is fixed, paying faster does not increase it, but the 90-day minimum still has to be met.
What disqualifies most applicants: an account younger than 90 days, annual PayPal sales below the threshold, or an existing PayPal Working Capital balance still outstanding. Sellers who move most of their volume to another processor may also see smaller offers.
Sellers below the PayPal thresholds, or whose revenue runs elsewhere, can compare providers reviewing total bank deposits. Merchant Fund Express publishes a 500 credit minimum and offers MCAs, lines of credit, second position funding and buyouts.
Good fit:
Compare first if:
Merchant Fund Express matches one application with multiple funders whose criteria differ from PayPal Working Capital’s, so a file that misses one cutoff may fit another. Credit from 500, same-day decisions, funding typically the next business day.
No personal credit check.
90+ days.
$15,000 business or $20,000 Premier, annually.
Yes, every 90 days.
Compare deposit-based providers; Merchant Fund Express starts at 500 credit.
Yes, you select a repayment percentage of PayPal sales.
The fee is fixed, so paying faster shortens the loan but does not change the fee.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
