PayPal Working Capital
E17812
PayPal Working Capital is a business financing service that provides merchants with quick, fixed-fee loans repaid automatically as a percentage of their PayPal sales.
Observed surface forms (1)
| Surface form | Occurrences |
|---|---|
| PayPal business loans | 1 |
Statements (48)
| Predicate | Object |
|---|---|
| instanceOf |
business financing service
ⓘ
merchant cash advance–style product ⓘ |
| applicationChannel | online via PayPal account ⓘ |
| availableIn |
Australia
ⓘ
United Kingdom ⓘ selected markets ⓘ |
| benefit |
no early repayment penalty in many markets
ⓘ
no separate monthly payment required ⓘ simple fee disclosure up front ⓘ |
| brandOwner |
PayPal
ⓘ
surface form:
PayPal Holdings, Inc.
|
| collateralRequired | no traditional collateral ⓘ |
| countryOfOperation |
United States of America
ⓘ
surface form:
United States
|
| creditCheckRequired | no personal credit check in many cases ⓘ |
| decisionSpeed | typically minutes ⓘ |
| eligibilityCriterion |
must have a PayPal business account
ⓘ
must have a history of PayPal sales ⓘ must meet minimum annual PayPal sales volume thresholds ⓘ |
| feeDeterminants |
loan amount
ⓘ
sales history ⓘ selected repayment percentage ⓘ |
| feeStructure | single fixed fee ⓘ |
| fundingSpeed | typically same day to PayPal account ⓘ |
| fundingType |
fixed-fee loan
ⓘ
short-term working capital ⓘ |
| highSalesEffect | faster repayment when sales are higher ⓘ |
| interestCharged | no traditional interest ⓘ |
| loanUse |
business expansion
ⓘ
cash flow management ⓘ inventory purchase ⓘ working capital ⓘ |
| marketingPositioning | alternative to traditional bank loans ⓘ |
| maximumAdvanceBasis | percentage of annual PayPal sales ⓘ |
| operatedBy |
PayPal
ⓘ
surface form:
PayPal, Inc.
|
| provider | PayPal ⓘ |
| relatedTo |
PayPal Working Capital
self-linksurface differs
ⓘ
surface form:
PayPal business loans
|
| repaymentBasis | percentage of daily PayPal sales ⓘ |
| repaymentFlexibility | payments adjust with sales volume ⓘ |
| repaymentFrequency | daily ⓘ |
| repaymentMethod | automatic deduction from PayPal sales ⓘ |
| risk | reduces net PayPal cash flow until repaid ⓘ |
| sector |
financial technology
ⓘ
online lending ⓘ |
| securityModel | repayments collected directly from PayPal transaction flows ⓘ |
| slowSalesEffect | slower repayment when sales are lower ⓘ |
| supportsCurrency | currencies supported by local PayPal business accounts ⓘ |
| targetUser |
PayPal business account holders
ⓘ
online merchants ⓘ small businesses ⓘ |