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PayPal Working Capital

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PayPal Working Capital Review

    Erica Seppala
  • Updated on:
Advertiser Disclosure: Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity.
Erica Seppala

Erica Seppala

Expert Analyst & Reviewer at Merchant Maverick
An expert in accounting, finance, and point of sale, Erica has been researching and writing about all things small-business since 2018. Erica's insights into personal and business finance have been cited in numerous publications, including MSN, Real Simple, and Reader's Digest. She is a graduate of Limestone College.
Erica Seppala
View Erica Seppala's professional experience on LinkedIn.
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    William cooper

    Organization Name: Marble masters

    They only have your back for a loan when your company is doing good , the minute your having a bad month, or slow don’t bother trying to get them to help, because they won’t ! They say there computers tell them if they can help you or not , even if your approved don’t bother trying to jump through the hoops they ask you to do ! They won’t approve you it’s a waste of time unless your doing great, even after years of working together in the long run they don’t have your back ! Trust me , they’ll just run and hurt your credit ! Then say underwriters said no sorry !

    • Organization Name: Marble masters
    Annika Graylish

    Organization Name: vintage audio

    I am suprised to see the positive reviews for paypal working capitol because just a simple search online will reveal how upset and annoyed a lot of paypal customers are. The service is very unreliable and does not give a clear indication as to why the application is denied. I had ONE paypal WC loan that went through over a year ago, i paid it off in a 3rd of the predicted time as i have great sales yet i have been declined for another ever since with no indication why. So each day i think today may be different and i go through the process of filling in the form, hit submit and its the same response everytime that i am not eligible.The whole application process should only be available to those who paypal decides DO qualify , its a complete waste of time otherwise and gives false hope to those who need it or at least give a reason for the decline so we dont keep wasting our time applying and can aim to fix the reason it was declined in the first place. My small business would thrive if i had access to funding and so paypal would generate even more interest from me and this would apply to thousands of other customers yet we are all being discriminated by paypal without a provided reason.

    • Organization Name: vintage audio

    Organization Name: skylineresale

    Im a power seller on e-bay pay pal working capital has no customer service over the weekend and when you deal with their customer service they are like vipers that will vindictively cause damage to your credit score and the loan this is a predatory loan with very hi interest and will hurt your ebay store as they want 30 percent of all your sales when you go to pay your bill to pay pal capital they take days to take the payment and will cause tremendous confusion in your bookkeeping meaning if you want to be a great seller on ebay stay away from PayPal working capital

    • Organization Name: skylineresale

    This comment refers to an earlier version of this review and may be outdated.

    Annie J

    Organization Name: Just Copyeditors

    I am surprised to see all the negative reviews below, especially those talking about high fees and APR. Has this Working Capital system changed in 2019, maybe? I say this as I just took working capital of £3,000 and paid £180 in fees. I think that is extremely good.What I like about the PPWC system is that it took about five clicks to receive the funds in the account within…ooh, thirty seconds?! That is insanely fast approval and transfer of funds, giving me the freedom to continue working and earning instead of worrying about funding the expansion I have planned. My Paypal-processed income through the business is consistently rising, so perhaps higher fees come in only if your business seems to be on the slide… the trend must have something to do with it.Any loan is based on the risk the lender is taking, so they will be taking into account business type/sector, sales, and trends so if my business dips (as seen solely on Paypal–which is great as this does not affect my credit score) then, of course, fees will increase. They have to buy added risk insurance to cover added risk posed by a change in the performance of a business.I was absolutely staggered–in a good way–to have this approval so fast and so easily. I also love the fact I can pay back easily and pay back using extra payments. No complaints from me; best, most efficient merchant lending I have ever seen.

    • Organization Name: Just Copyeditors

    This comment refers to an earlier version of this review and may be outdated.

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Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity. The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.

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