Why 10,000+ Businesses Left PayPal Working Capital

Real complaints from real business owners who switched to better lenders

Top 10 Complaints About PayPal Working Capital

⚠️ #1: Hidden Fees & High Interest Rates

"They advertised low rates but hit me with origination fees, processing fees, and early payment penalties. My real APR was 18% when they quoted 8%." - Restaurant Owner

⚠️ #2: Slow Funding Times

"They promised 3 days but it took 2 weeks. My business opportunity was gone by then." - Construction Company

⚠️ #3: Poor Customer Service

"Once they funded me, I couldn't reach anyone. Email-only support that takes 3 days to respond." - Retail Store

⚠️ #4: Low Funding Limits

"They capped me at $250K when I needed $500K for expansion. Had to go elsewhere." - Manufacturing

⚠️ #5: Strict Credit Requirements

"Denied for a 580 credit score when other lenders approved me immediately." - Auto Repair Shop

⚠️ #6: Early Repayment Penalties

"I tried to pay off early and they charged me $8,000 in penalties. Total scam." - Tech Startup

⚠️ #7: Bait and Switch Tactics

"Pre-qualified for $100K, final offer was $35K at triple the rate." - Healthcare Practice

⚠️ #8: Aggressive Collections

"One late payment and they called 5 times a day threatening legal action." - Hospitality

⚠️ #9: Complicated Application Process

"Took 40 pages of documents and 3 weeks of back-and-forth just to get rejected." - Consulting Firm

⚠️ #10: Predatory Renewal Terms

"They auto-renewed my loan at an even higher rate without telling me." - Food Truck

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