Grow your business with a cash advance

Yoco Capital is a fast, flexible cash advance for small businesses using Yoco


Available to eligible Yoco merchants only


How it works


Go to your Yoco Portal to find out if you qualify for Yoco Capital.


Apply in 5 mins, get instant approval, and get your cash in 1 business day.


Your advance is paid off with a tiny percentage of every sale through Yoco.

What merchants love about Yoco Capital

Flexible repayment

If business slows down, so do your repayments. No fixed debit orders. No penalty fees.

Risk free

You don’t need to back your cash advance with any collateral. It's stess-free!

Super fast

If your application is successful, the money will be in your account in 1 working day.

How Yoco Capital can level up your business

Buy more stock

New equipment

Hire new staff

Open a store

Yoco Capital FAQs

Visit Help Centre


How do I know if I’m eligible for Yoco Capital?

You need to be a Yoco merchant for 3 months to qualify for Yoco Capital. If you’ve been a Yoco merchant for 3 months or more and don’t have a Capital offer, please email [email protected].


How long does it take to get the funds?

Once approved, your Capital amount will be in your account in 1 working day.


How does the payback work?

The Yoco Capital payback is passive – you pay it back as a tiny percentage of your transactions when you get paid through Yoco card machines or online payments.


Can I top up my advance before I’ve paid it off?

Yes. The difference between your current repayment and the top up is paid to you in 1 working day.

Yoco Card Machines and Online Payments

Quiz Question 1

Want to sell in person, online or both?

In person