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# Ultra-Convenient Loan Services
Paypal Working Capital is Perfect For Small and Growing Businesses

By Rahul Kalvapalle | Published 2014-12-18 | Business
Source: Trend Hunter, https://www.trendhunter.com/trends/paypal-working-capital
References: [businessweek](http://www.businessweek.com/blogs/the-new-entrepreneur/tag/PayPal%20Working%20Capital) & [paypal-community](https://www.paypal-community.com/t5/PayPal-Forward/Introducing-PayPal-Working-Capital-A-Faster-and-Easier-Way-to/ba-p/781604)

[Paypal](https://www.trendhunter.com/trends/paypal-super-app) Working Capital is a convenient and innovative way for PayPal customers to fund their businesses. Select PayPal businesses are to be granted access to [business loans](https://www.trendhunter.com/trends/revolving-line-of-credit) that let them land funding in mere minutes once they apply and agree to the terms and conditions.

The loan enables PayPal merchants to repay their debt with a share of PayPal sales, removing the need for minimum monthly payments. No sales means no payments for the day!

The loan is available for a fixed fee that is displayed before you sign up. The arrangement is devoid of interest charges, late fees and other small-print fees, meaning that as a merchant, you will always know exactly how much money you will pay.

PayPal Working Capital is perfect for [small businesses](https://www.trendhunter.com/trends/acorn-finance), especially those that need to scale their operations to adjust for periods of particularly high or low demand.

## Trend Insights (Trend Hunter)

- Score: 3.2/10
- Popularity: 24% | Activity: 63% | Freshness: 8%
- Audience gender: 50% men, 50% women
- Primary generations: Millennial, Gen X
- Top markets: North America, Europe

## Categories

[Trend Hunter](https://www.trendhunter.com/trends) > [Business](https://www.trendhunter.com/business) > [New Ventures](https://www.trendhunter.com/newventures)

## Key Themes

### Why This Trend Is Growing

- **Fast Business Loans:** Entrepreneurs will benefit from an innovative process that provides loans in a few minutes once they apply and agree to the conditions.
- **Revenue-based Loan Repayment:** A new trend in loan repayment that lets PayPal merchants repay their debt with a share of their PayPal sales eliminating the need for minimum monthly payments.
- **Transparent Lending Fees:** Removing the hidden fees means that merchants will always know exactly how much they will have to pay with this newfound innovation.

### Industries Being Reshaped

- **Financial Services:** Financial services companies can use new technologies to build fast and innovative loan products that are convenient for small and growing businesses.
- **Digital Payments:** Digital payment services can develop innovative loan products for their small business customers that are frictionless and based on their payment activities.
- **Mobile Banking:** Mobile banking services can leverage the convenience of mobile technologies to offer fast and innovative loan products that are transparent and beneficial to small businesses.

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