MCAs are controversial because they have extremely high fees. If you're less concerned about getting funds fast or you have an established business with a great personal credit score, we recommend you consider other options. This is largely because PayPal already has a lot of information about your business and its cash flows.
Additionally, borrowers are limited to $125,000 loans for the first PayPal loan, which is still sizable compared to other online lenders with similar eligibility requirements. On a sample $8,000 loan for a business that processes $100,000 in annual PayPal sales, there is a $655 reduction in loan fees if the business chooses to pay 30% of its daily sales rather than 10%.