Firstly, you don't need to have your Paypal set to a business account, but it may mean there are extra charges in the event of a manual payment.
You will receive your funds once you have marked the item as sent/completed. You also won't be charged a PayPal fee, that comes out of our side of the funds.
If you don't receive your payment once marking the order as fulfilled, please get in touch so we can look into it for you.