Grow your business with a cash advance
Yoco Capital is a fast, flexible cash advance for Yoco customers. We've disbursed over R1b to our merchants so far!
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Available to eligible Yoco merchants only
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How it works
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Apply in 5 mins, get instant approval, and get your cash in 1 business day.
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Your advance is paid off with a percentage of every sale through Yoco.
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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.
Merchants growing with Yoco Capital
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NATIONWIDE
Mlami's Transport
A friendly and reliable driver for personal or professional shuttling.
Transport
Nationwide
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JOHANNESBURG
Junk Park
Gourmet junk food made with fresh ingredients and attention to detail.
Restaurant
Sandton
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HERMANUS
Sweet Moments
Fantastic soft serve and super service from an old-school ice cream truck.
Food truck
Onrus Beach
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VELDDRIF
Bokmakerie Nursery
A small town nursery with a wide selection of indoor and outdoor plants.
Nursery
Velddrif
How Yoco Capital can level up your business
Hire more staff
Need a bigger team to meet demand? Yoco Capital puts money in the bank so you can grow your staff compliment without hurting your cash flow.
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Buy more stock
Need a cash injection to get more stock ahead of a busy period? Yoco Capital puts the money you need into your account.
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Upgrade your equipment
Every once in a while, you need to invest in your equipment to stay ahead of the competition. Yoco Capital can help.
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Open a store
Whether you're opening your first store or preparing to expand to a new area, Yoco Capital is a simple way to get the cash advance necessary to make it happen.
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Hire more staff
Need a bigger team to meet demand? Yoco Capital puts money in the bank so you can grow your staff compliment without hurting your cash flow.
Buy more stock
Need a cash injection to get more stock ahead of a busy period? Yoco Capital puts the money you need into your account.
Upgrade your equipment
Every once in a while, you need to invest in your equipment to stay ahead of the competition. Yoco Capital can help.
Open a store
Whether you're opening your first store or preparing to expand to a new area, Yoco Capital is a simple way to get the cash advance necessary to make it happen.
Hire more staff
Need a bigger team to meet demand? Yoco Capital puts money in the bank so you can grow your staff compliment without hurting your cash flow.
Buy more stock
Need a cash injection to get more stock ahead of a busy period? Yoco Capital puts the money you need into your account.
Upgrade your equipment
Every once in a while, you need to invest in your equipment to stay ahead of the competition. Yoco Capital can help.
Open a store
Whether you're opening your first store or preparing to expand to a new area, Yoco Capital is a simple way to get the cash advance necessary to make it happen.
Yoco Capital FAQs
Visit Help Centre01
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].
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How long does it take to get the funds?
Once approved, your Capital amount will be in your account in 1 working day.
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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.
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How does the payback work?
The Yoco Capital payback is passive – you pay it back automatically as a small percentage of each sale through Yoco. So you only pay it back when you're getting paid!