I'd like to know how to determine if PayPal working capital is a good value. Their calculator can be found here: https://www.paypal.com/us/workingcapital/.
The way it works is the larger the gap between annual sales and the amount to borrow, the lower the fee.
Here are some examples based on annual sales of $25,000/yr. The first two percentages are "Repayment percentage" and "Percentage you keep":
30% / 70% | $71 fee (3.55% fee)
30% / 70% | $476 fee (9.52% fee)
The first configuration obviously has a lower fee but it is a good deal?