Saw this pop up in my feed and it reminded me of when I dipped my toes into e-commerce with a dropshipping setup a couple years back. Eligibility for things like PayPal Working Capital boils down to having a verified business PayPal account, steady transaction volume—think at least a few grand monthly—and no unresolved issues like chargebacks. From what I've gathered chatting with other small sellers, they review your sales history directly through PayPal, so building that track record is key. I didn't qualify at first because my volume was too low, but after ramping up marketing, I reapplied successfully later. It's handy for short-term needs without traditional bank hoops, but always compare rates. Sharing these stories is great—helps avoid common pitfalls like overlooking account age requirements.