Last reviewed: October 2, 2026
Disclaimer: This review summarizes publicly available information, including customer reviews, forum posts such as Reddit, BBB and Trustpilot listings, court records, regulator actions, and news reports. It is not the opinion of MCAFax. MCAFax cannot confirm or deny any allegations, complaints, or claims described here. Information may be outdated or incomplete. MCAFax is not affiliated with this lender. This is not legal or financial advice. Lenders who believe something is inaccurate can contact info@mcafax.com for review.
Summary verdict
PayPal Working Capital is a business loan with one fixed fee, repaid as a percentage of PayPal sales; WebBank is the lender (PayPal).
Paper Grade: C paper (platform)
Eligibility requires a PayPal business or Premier account for at least 90 days and at least $15,000 in PayPal sales over 12 months. There is no personal credit check; decisions rely mainly on PayPal account history (PayPal). That is sales-based platform financing, graded C. Paper grade describes the borrower profile this lender targets, not the lender's quality.
Research-Based Reputation Score: Not yet scored (not ranked)
Not yet scored: platform lender.
Reputation score: Not yet scored. PayPal offers financing only to businesses on its own platform. Its public BBB and Trustpilot ratings mostly reflect the payments business, not the financing, so under our method we don't score it from those ratings. For context, the CFPB brought a 2015 action against PayPal over enrolling consumers in PayPal Credit, a consumer credit product. That matter concerned consumer credit, not Working Capital (CFPB).
About the Paper Grade: it reflects only the borrower profile and deal type the lender targets (stated credit, time-in-business and revenue minimums, and product type). It is not a judgment of the lender's quality. A = strong credit (about 625–650+), established businesses, APR-priced loans or lines. B = fair credit (about 600+), short-term or factor-rate products. C = credit about 500–599, younger businesses, MCA or revenue-based, or sales-based platform financing with no credit check. D = minimal credit requirements, very new businesses, stacked positions or high-risk industries. Lawsuits and regulator actions never change the Paper Grade.
About the Research-Based Reputation Score (1–10, half-points): it summarizes public signals and is not the opinion of MCAFax. Every lender starts at 5.0. Points are added for BBB accreditation and an A+ rating, years in business, strong Trustpilot ratings, and a clean record (no regulator orders or court judgments in which the lender itself is a named party). Points are subtracted for a BBB rating of C− or lower (−1), a BBB customer-review average below 2.5/5 (−0.5), recurring complaint themes (−0.5 to −1), and a pending class action (−0.5). Government actions are scored only when the lender itself is a named party: −1 for a settled action not about borrowers, −2 for a regulator consent order with a penalty and no admission, −3 for active enforcement or a final order about borrower treatment, and −5 for an industry ban or court finding of liability. The lowest score, 1.0, is reserved for lenders under an industry ban or a final fraud judgment. Ratings we could not read score zero, and routine collection suits are not scored. Every point applied to this lender is listed above. Ranks are as of the date shown; MCAFax cannot confirm or deny any allegation counted here.
At a glance
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