I hear you on needing quick cash without the hassle—freelancing can throw curveballs like that. For my online store selling handmade jewelry, I applied last year after consistent sales dipped due to seasonal lulls, and it turned out you mainly need an active PayPal business account with at least $15,000 in annual processed payments over three months, plus a decent credit history without major dings. They don't require collateral, which was a relief, and approval came fast based on my transaction data. I used it to stock up on supplies, repaying via a percentage of future sales, which kept things flexible without fixed payments stressing me out. It helped me ramp up for the holidays smoothly. Here are some details on how to apply for PayPal working capital that go into the nitty-gritty on criteria and steps—it might clarify if your gig fits the bill. Just ensure your account's in good standing, and you're set for a straightforward process.