PayPal Working Capital is based on your PayPal sales history, so you receive an amount that fits your business. There’s no credit check when you apply, so there’s no effect on your credit score. There’s just one fixed fee determined by: the amount of your loan, the repayment percentage you select, your business’s PayPal sales history. There are no other fees and no periodic interest. You pay back the loan automatically with a percentage of your sales that you choose when you apply. The higher your sales, the faster you repay. On days without sales, you won’t pay a thing, but you need to repay a minimum of 5% or 10% every 90 days to keep your loan in good standing. You can also make manual payments and even pay the loan in full anytime with no early repayment fee.