Every business owner hits a point where a little financial push could unlock their next big step. It could be stocking up for a busy season, hiring more hands or upgrading your workspace.

Whatever it is, access to capital can be the difference between maintaining momentum and stalling out.

This is where Yoco Capital comes in. It’s a flexible, transparent cash advance solution designed specifically for small businesses in South Africa.

There’s no paperwork, queues or fixed terms. Just fast access to funding that works in sync with your business.

Yoco Capital explained

Yoco Capital is a cash advance offered to eligible Yoco merchants. It’s not a loan in the traditional sense, as there are no fixed repayment terms, no interest rates and no penalties.

You receive a lump sum upfront and repay it automatically through a small percentage of every sale you make through Yoco.

It’s business funding made simple and built for the realities of running a small, growing business.

Fast, paperless access to cash

If you qualify (more on this below), applying takes less than five minutes via the Yoco App. There’s no paperwork to chase or forms to print; it’s a quick, online experience.

Once approved, your funds are paid out within 24 hours, which means you can seize opportunities quickly, respond to unexpected challenges or plan with confidence without waiting weeks for a bank to say yes.

Flexible repayments that match your sales

Unlike traditional loans, Yoco Capital doesn’t tie you to a monthly debit order. Repayment happens automatically as you make sales through Yoco.

To settle the advance, we’ll set aside a small, pre-agreed percentage of each card or online transaction through Yoco. This means:

• If your business has a slower day or month, repayments slow down too.

• If you’re thriving and trading more, your advance is repaid faster.

• There are no late fees and no penalties.

It gives you the breathing room to keep growing, even when business isn’t consistent.

When should you use Yoco Capital?

Yoco Capital is designed for growth, not survival. It works best for business owners who know exactly what they want to do with the extra cash and how it will return value.

This could include:

• stocking up for peak seasons like holidays or festivals

• expanding operations, such as hiring more employees, moving to a new space or upgrading equipment

• launching new offerings, like a new product line or service

• bridging short-term cash flow gaps without long-term debt.

If you’ve got a clear plan and consistent card sales through Yoco, this could be the right boost at the right time.

Built for entrepreneurs

There are no credit checks, no hidden costs and no need for collateral. Your eligibility and offer are based purely on your Yoco sales history; the more you sell, the more Capital becomes available to you over time.

Simple pricing and one flat fee

The total cost – or the cost to capital – is clearly outlined when you apply and is based on:

• your requested cash amount

• your recent sales

• your agreed holdback rate (the % of each sale used to repay the funds).

There are no surprises down the line. You’ll always know exactly how much you’ll pay for the advance.

How to get started

If you’ve been a Yoco merchant for six months, you can check if you qualify by logging into your Yoco App. If you’re eligible, your personalised Capital offer will appear, ready to accept in just a few taps.

If you’re not yet using Yoco, becoming a merchant is simple. You’ll unlock everything from smart payments to growth tools like Capital that are designed to help you thrive.

Note: To access Yoco Capital, you must be Companies and Intellectual Property Commission (CIPC) compliant. To check if you are, head on over to their website, follow the prompts and then download your certificate.

Closing thoughts

Yoco Capital is fast, fair and designed to help you grow your business on your terms.

If your business is ready for its next chapter and you’ve got the vision to back it, Yoco Capital could be the partner that helps you make it happen.

No queues. No red tape. Just fuel for what’s next.

Ready to explore your options? Check out more about Yoco Capital here.