PayPal Working Capital provides financing for eligible PayPal business customers.
PayPal Working Capital is a financing service for eligible PayPal business customers. PayPal presents the offering within its business financial-services lineup.
The service gives businesses a working-capital financing option connected to their PayPal relationship. The offering serves merchants seeking financing through PayPal's business platform.
Flutterwave
Capital
flutterwave.com
Dow Protocol
E-Commerce Working Capital Financing
dowprotocol.com
Xendit
Financing
xendit.co
Stripe
Stripe Capital
stripe.com
| Attribute | PayPal Working Capital | Capital | E-Commerce Working Capital Financing | Financing | Stripe Capital | |
|---|---|---|---|---|---|---|
| Provider |  | | | | | |
| Founded | 1998 | 2016 | 2025 | 2015 | 2010 | |
| Sells To | Enterprises | Enterprise, Small Business | B2B | Enterprise, Small Business | Enterprises, SMB | |
| Pricing Model | Transactional Commission | Recurring, SaaS, Transactional | Transaction Fees | Transactional | Recurring, Transactional, Usage-based | |
| Ownership | Public | Equity, Venture-backed | Venture-backed | Equity, Venture-backed | Private equity-backed, Venture-backed |
Provider
Founded 1998
Sells To Enterprises
Pricing Model Transactional Commission
Ownership Public
Provider
Founded 2016
Sells To Enterprise, Small Business
Pricing Model Recurring, SaaS, Transactional
Ownership Equity, Venture-backed
Provider
Founded 2025
Sells To B2B
Pricing Model Transaction Fees
Ownership Venture-backed
Provider
Founded 2015
Sells To Enterprise, Small Business
Pricing Model Transactional
Ownership Equity, Venture-backed
Provider
Founded 2010
Sells To Enterprises, SMB
Pricing Model Recurring, Transactional, Usage-based
Ownership Private equity-backed, Venture-backed
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Shopify Capital provides financing for eligible merchants using Shopify's commerce platform.
Square Loans offers financing to eligible sellers using Square's business platform.
Embedded B2B buy-now-pay-later financing that lets approved buyers defer payment while merchants are paid upfront.
Uncapped Fixed Term Loans provides fixed-fee working-capital financing for e-commerce businesses.
Invoice advance service that lets businesses turn unpaid invoices into working capital.
Toast’s embedded business-loan product for restaurants, repaid through a percentage of daily Toast card transactions.
Working-capital credit that lets solar developers order project equipment before paying for it.
