Get extra cash without a business loan*

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

*

Available to eligible Yoco merchants only. Yoco only offers cash advances, not business loans. T&Cs apply.

Loans for small businesses
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How Yoco Capital works

1

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

2

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

3

Pay off your cash advance with every sale through your Yoco card machine.

What do Yoco 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 collateral to get a cash advance. So no need to stress!

Super fast

The cash is in your bank account in 1 working day if your application is successful. Why wait for a business loan*? 

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 How Yoco Capital can level up your business

Grow your team?

Hire more staff to meet the demand for your services or products while not affecting cash flow. Make it happen with cash advance instead of a business loan.*

Need more stock?

Get the cash you need when you need it buy enough stock leading up to a busy season. Yoco Capital’s cash advances quickly put the cash into your bank account without the need for business loans*.

Need better equipment?

It’s to make sure your business is always competitive. Let Yoco Capital help make that happen.

Looking to expand?

Get the cash to open your first shop or grow your business further with Yoco Capital.

Grow your team?

Hire more staff to meet the demand for your services or products while not affecting cash flow. Make it happen with cash advance instead of a business loan.*

Need more stock?

Get the cash you need when you need it buy enough stock leading up to a busy season. Yoco Capital’s cash advances quickly put the cash into your bank account without the need for business loans*.

Need better equipment?

It’s to make sure your business is always competitive. Let Yoco Capital help make that happen.

Looking to expand?

Get the cash to open your first shop or grow your business further with Yoco Capital.

Grow your team?

Hire more staff to meet the demand for your services or products while not affecting cash flow. Make it happen with cash advance instead of a business loan.*

Need more stock?

Get the cash you need when you need it buy enough stock leading up to a busy season. Yoco Capital’s cash advances quickly put the cash into your bank account without the need for business loans*.

Need better equipment?

It’s to make sure your business is always competitive. Let Yoco Capital help make that happen.

Looking to expand?

Get the cash to open your first shop or grow your business further with Yoco Capital.

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Yoco Capital FAQs

Visit Help Centre

01

How do I know if I can get a cash advance from Yoco Capital?

Yoco Capital is simple. You only need to be a Yoco merchant for 3 months to qualify. Please feel free to email us at [email protected] if you have been a Yoco merchant for 3 months or longer and haven’t been offered Capital yet. 

02

How long does it take to get the cash?

The cash (Capital amount) will be in your bank account in only 1 working day. So, why spend more time trying to get a business loan*?

03

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

Yes, you can. Yoco will pay the difference between your current repayment and the top-up amount into your bank account in 1 working day. 

04

How does Yoco Capital’s payback payments work?

Yoco Capital’s payback payments automatically go off your business bank account as a small percentage of each sale via your Yoco card machine. 

Yoco Card Machines and Online Payments

Quiz Question 1

Want to sell in person, online or both?

In person

Online

Both