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.
:format(webp))
How Yoco Capital works
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.
:format(webp))
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
:format(webp))
NATIONWIDE
Mlami's Transport
A friendly and reliable driver for personal or professional shuttling.
Transport
Nationwide
:format(webp))
JOHANNESBURG
Junk Park
Gourmet junk food made with fresh ingredients and attention to detail.
Restaurant
Sandton
:format(webp))
HERMANUS
Sweet Moments
Fantastic soft serve and super service from an old-school ice cream truck.
Food truck
Onrus Beach
:format(webp))
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
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.*
:format(webp))
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*.
:format(webp))
Need better equipment?
It’s to make sure your business is always competitive. Let Yoco Capital help make that happen.
:format(webp))
Looking to expand?
Get the cash to open your first shop or grow your business further with Yoco Capital.
:format(webp))
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.
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.
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.