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!
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 percentage of every sale through Yoco.
What merchants love about Yoco Capital
If business slows down, so do your repayments. No fixed debit orders. No penalty fees.
You don’t need to back your cash advance with any collateral. It's stess-free!
If your application is successful, the money will be in your account in 1 working day.
Merchants growing with Yoco Capital
A friendly and reliable driver for personal or professional shuttling.
Gourmet junk food made with fresh ingredients and attention to detail.
Fantastic soft serve and super service from an old-school ice cream truck.
A small town nursery with a wide selection of indoor and outdoor plants.
How Yoco Capital can level up your business
Yoco Capital FAQsVisit 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.
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.
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!