Get extra cash without a business loan*
Yoco Capital is a fast, flexible cash advance for small businesses using Yoco.
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Available to eligible Yoco merchants only. Yoco only offers cash advances, not business loans. T&Cs apply.
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How Yoco Capital works
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Apply in 5 mins, get instant approval, and get your cash in 1 business day.
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Pay off your cash advance with every sale through your Yoco card machine.
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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*?
Merchants growing with Yoco Capital
How Yoco Capital can level up your business
Yoco Capital FAQs
Visit Help Centre01
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.
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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*?
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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.
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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.