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Yoco Capital
Get up to R1.5 million paid into your account in one business day. You repay a small percentage of every Yoco sale, so a quiet week costs you less.
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Over R6.5 billion disbursed to South African businesses.
Accept in seconds
No forms, no financials, no queues. Your offer is in the Yoco app, ready to accept.
Flexible repayments
A set percentage comes off each day’s sales. Slow day, less comes off. No sales, nothing comes off.
All in one app
Your offer, your balance and your payouts live together in the Money tab.
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How Yoco Capital works
1.
Find your offer
Open the Money tab and tap the Capital tile. If you qualify, your offer is already there.
2.
Choose your amount
Pick what you need, up to your offer amount. You see the once-off fee and the total you will repay before you accept anything.
3.
Get the cash in one business day
Accept, and the money goes into your linked bank account.
4.
Repay as you sell
A set percentage of each day’s Yoco sales comes off before your payout settles. Nothing to remember, nothing to transfer.
Your offer is built on the sales you are already making. Everything happens in the Yoco app.
What you need to qualify
These are the minimums, not a promise. We run a few risk checks too, and we confirm your CIPC status before we pay out.
3 months on Yoco
You have been taking payments with Yoco for at least three months.
10 sales in 90 days
You have processed at least 10 Yoco transactions in the last 90 days.
R4,000 a month
Your average Yoco card turnover is over R4,000 a month, three months running.
How to level up your business
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Hire more staff
Bring on the help you need for a busy season without taking the salaries out of this month’s cash flow.
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Get stocked up
Say yes to the bulk deal when your supplier offers it. Buy at the better price and repay as the stock sells.
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Upgrade your equipment
Replace the machine that keeps slowing you down, and pay for it out of the sales it helps you make.
Open a new branch
Cover the deposit, the fit-out and the opening stock, then repay across both shops as they trade.
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Over R6.5 billion disbursed to South African businesses
Quotes below are lightly edited from interviews. Each merchant must approve in writing before publish.
Yoco Capital FAQs
Quick answers to what merchants ask most. The Help Centre has the detail.
Visit Help Centre
If you qualify, your offer appears on its own in the Yoco app, under Money, on the Capital tile. You need at least three months of trading on Yoco, 10 Yoco transactions in the last 90 days, and average card turnover over R4,000 a month. Meeting the minimums does not guarantee an offer.
Once you accept your offer, the cash is paid into your linked bank account within one business day. We check your CIPC status before paying out, so keep your annual returns up to date.
Yes. After 60 days of repayments we check whether you qualify for a top up. If you do, your current advance closes and the balance rolls into a new, larger one with a single new fee.
It is passive. A set percentage of each day’s Yoco sales comes off before your payout settles. Busy day, more comes off. No sales that day, nothing comes off.
There are no fixed monthly repayments and no penalties, and you can settle early.
Probably one of the easiest ways to fund your business.
Aubrey Williams
Karoo Creations, Richmond
As a small producer you sometimes have to make decisions very quickly. Having Yoco Capital at your fingertips made those decisions a lot easier.
Anthony da Silva
That Food, Somerset West
You don’t even have to fill anything in. You go on the app, click Capital, and they let you know quickly whether you’re approved.
Ruth Young
Beauty Within, Cape Town
Probably one of the easiest ways to fund your business.
Aubrey Williams
Karoo Creations, Richmond
As a small producer you sometimes have to make decisions very quickly. Having Yoco Capital at your fingertips made those decisions a lot easier.
Anthony da Silva
That Food, Somerset West
You don’t even have to fill anything in. You go on the app, click Capital, and they let you know quickly whether you’re approved.
Ruth Young
Beauty Within, Cape Town
Probably one of the easiest ways to fund your business.
Aubrey Williams
Karoo Creations, Richmond
As a small producer you sometimes have to make decisions very quickly. Having Yoco Capital at your fingertips made those decisions a lot easier.
Anthony da Silva
That Food, Somerset West
You don’t even have to fill anything in. You go on the app, click Capital, and they let you know quickly whether you’re approved.
Ruth Young
Beauty Within, Cape Town
Probably one of the easiest ways to fund your business.
Aubrey Williams
Karoo Creations, Richmond
As a small producer you sometimes have to make decisions very quickly. Having Yoco Capital at your fingertips made those decisions a lot easier.
Anthony da Silva
That Food, Somerset West
You don’t even have to fill anything in. You go on the app, click Capital, and they let you know quickly whether you’re approved.
Ruth Young
Beauty Within, Cape Town
Probably one of the easiest ways to fund your business.
Aubrey Williams
Karoo Creations, Richmond
As a small producer you sometimes have to make decisions very quickly. Having Yoco Capital at your fingertips made those decisions a lot easier.
Anthony da Silva
That Food, Somerset West
You don’t even have to fill anything in. You go on the app, click Capital, and they let you know quickly whether you’re approved.
Ruth Young
Beauty Within, Cape Town
Probably one of the easiest ways to fund your business.
Aubrey Williams
Karoo Creations, Richmond
As a small producer you sometimes have to make decisions very quickly. Having Yoco Capital at your fingertips made those decisions a lot easier.
Anthony da Silva
That Food, Somerset West
You don’t even have to fill anything in. You go on the app, click Capital, and they let you know quickly whether you’re approved.
Ruth Young
Beauty Within, Cape Town
Probably one of the easiest ways to fund your business.
Aubrey Williams
Karoo Creations, Richmond
As a small producer you sometimes have to make decisions very quickly. Having Yoco Capital at your fingertips made those decisions a lot easier.
Anthony da Silva
That Food, Somerset West
You don’t even have to fill anything in. You go on the app, click Capital, and they let you know quickly whether you’re approved.
Ruth Young
Beauty Within, Cape Town
Probably one of the easiest ways to fund your business.
Aubrey Williams
Karoo Creations, Richmond
As a small producer you sometimes have to make decisions very quickly. Having Yoco Capital at your fingertips made those decisions a lot easier.
Anthony da Silva
That Food, Somerset West
You don’t even have to fill anything in. You go on the app, click Capital, and they let you know quickly whether you’re approved.
Ruth Young
Beauty Within, Cape Town
Probably one of the easiest ways to fund your business.
Aubrey Williams
Karoo Creations, Richmond
As a small producer you sometimes have to make decisions very quickly. Having Yoco Capital at your fingertips made those decisions a lot easier.
Anthony da Silva
That Food, Somerset West
You don’t even have to fill anything in. You go on the app, click Capital, and they let you know quickly whether you’re approved.
Ruth Young
Beauty Within, Cape Town
Probably one of the easiest ways to fund your business.
Aubrey Williams
Karoo Creations, Richmond
As a small producer you sometimes have to make decisions very quickly. Having Yoco Capital at your fingertips made those decisions a lot easier.
Anthony da Silva
That Food, Somerset West
You don’t even have to fill anything in. You go on the app, click Capital, and they let you know quickly whether you’re approved.
Ruth Young
Beauty Within, Cape Town