1. What is PayPal Working Capital?

PayPal Working Capital is a business loan offered by PayPal to eligible merchants based on their PayPal sales history. It provides quick access to funds with a fixed fee rather than an interest rate.

2. How Does the Calculator Work?

The calculator uses the PayPal Working Capital formula:

Where:

• \( Sales \) — Your PayPal sales volume (USD)
• \( Factor \) — Loan percentage (typically 10-30% of sales)
• \( Fees \) — Fixed fee amount (USD)

Explanation: The loan amount is based on your PayPal sales history, with the factor determined by PayPal based on your account standing.

3. Importance of Loan Calculation

Details: Understanding potential loan amounts helps businesses plan cash flow and determine if PayPal Working Capital meets their financing needs.

4. Using the Calculator

Tips: Enter your average PayPal sales in USD, the factor percentage (typically between 0.10 and 0.30), and any applicable fees. All values must be valid (sales > 0, factor between 0-1).

5. Frequently Asked Questions (FAQ)

Q1: Who is eligible for PayPal Working Capital?
A: Businesses with a PayPal Business or Premier account that's at least 90 days old and processes $15,000+ in annual PayPal sales.

Q2: How is repayment handled?
A: Repayment is automatically deducted as a percentage of your PayPal sales until the loan plus fee is paid in full.

Q3: What's the typical factor range?
A: Factors typically range from 10% to 30% of your PayPal sales volume, depending on your account history.

Q4: Are there credit checks?
A: No, PayPal Working Capital doesn't require a credit check as it's based on your PayPal sales history.

Q5: How quickly can I get funds?
A: If approved, funds are typically available in your PayPal account within minutes of accepting the offer.