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PayPal Working Capital

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PayPal Working Capital Review

PayPal Working Capital is a fantastic resource for merchants who use PayPal. The application is fast, the fee structure is flexible, and repayment is easy.

    Jason Vissers
  • UPDATED

Advertiser Disclosure: Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity.
Jason Vissers

Jason Vissers

Expert Analyst & Reviewer at Merchant Maverick
Jason Vissers has been researching, analyzing, and writing about small business software and finance since 2015. His financial expertise has been cited in numerous publications, including The Ladders. Jason graduated with a Political Science degree from San Diego State University in 2001.
Jason Vissers
View Jason Vissers's professional experience on LinkedIn.



We've done in-depth research on each and confidently recommend them.

We've done in-depth research on each and confidently recommend them.

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70 Comments

Responses are not provided or commissioned by the vendor or bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the vendor or bank advertiser. It is not the vendor or bank advertiser's responsibility to ensure all posts and/or questions are answered.

    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

    This comment refers to an earlier version of this review and may be outdated.

    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.

    1
    • Organization Name: vintage audio

    This comment refers to an earlier version of this review and may be outdated.

    william

    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

    1
    • 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.

    5
    • Organization Name: Just Copyeditors

    This comment refers to an earlier version of this review and may be outdated.

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Merchant Maverick’s ratings are editorial in nature, and are not aggregated from user reviews. Each staff reviewer at Merchant Maverick is a subject matter expert with experience researching, testing, and evaluating small business software and services. The rating of this company or service is based on the author’s expert opinion and analysis of the product, and assessed and seconded by another subject matter expert on staff before publication. Merchant Maverick’s ratings are not influenced by affiliate partnerships.

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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