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Tools for now and what’s next

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Keep your business moving

Apply for a cash advance and card in minutes and get quick decisions to help fuel your next move.

Optimise your cash flow

Make the most of your daily business expenses with cashback on eligible purchases.2 And easily manage your short- and long-term capital needs.

Scale your business confidently

Tap into financial solutions that grow with you. From first funding to future growth, we’re ready when you are.

95 %
95 %
of PayPal Working Capital customers are satisfied with their experience3
2.5B
2.5B
In 10 years, over £2.5 billion in PayPal Working Capital funding has been made available to UK businesses4
97 %
97 %
of surveyed merchants said they would apply for a cash advance again5

Business funding made easy

Unlock your next opportunity and enjoy flexible repayments based on your PayPal sales.6

  • Initial cash advances up to £200k

  • Fast and easy online application

  • Apply and get funded in minutes, if approved

Explore PayPal Working Capital

A loan built for long-term growth

Keep your business moving forward with quick funding and predictable payments.

  • Initial funding up to £100k

  • Get funding in minutes, if approved.7

Explore PayPal Business Loan

Fast access

to cashback

Get quick access to your available PayPal funds8 and earn cashback on eligible purchases wherever you use your card.

  • Earn 0.5% cashback on eligible purchases2

  • Get your digital card in minutes, if approved

  • Pay anywhere Mastercard® is accepted

Explore PayPal Business Debit Card
To be considered for a PayPal Business Debit Mastercard®, a customer must have a UK PayPal business account. Sign up for free.

Financial services

Power your business at every turn

Take your business to the next level with tools that unlock flexible funding and help boost your spending power.

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All screen images shown are for illustrative purposes only. Actual experience will be based on account activity.
1
Eligibility and advance value offered subject to sales history, account behaviour and other criteria. Minimum payment required every 90 days. Terms and conditions apply.
2
Eligible business purchases only. Terms and conditions apply.
3
Dynata, commissioned by PayPal, online survey of PayPal Working Capital Customers who had used PPWC in the previous 24 months, conducted July 2024. Base: Total Respondents UK (n=164).
4
PayPal Working Capital internal data 10/2014 to 08/2024.
5
Dynata, commissioned by PayPal, online survey of PayPal Working Capital Customers who had used PPWC in the previous 24 months, conducted July 2024. Base: Respondents who anticipate a need for additional business funding in the next 12 months (n=144)​.
6
You must not divert sales from PayPal while the cash advance is outstanding, and a minimum payment is required every 90 days.
7
Eligibility and loan value offered subject to merchant status and account behavior, along with other criteria. PayPal reserves the right to review and amend its eligibility criteria without notice.
8
ATM fee is 1.00 GBP per transaction, inside and outside the UK. The ATM provider may charge additional fees. PayPal doesn’t charge extra fees for ATM cash withdrawal with foreign currencies and Mastercard’s foreign exchange rates will apply for the currency conversion. Terms and conditions apply.