Grow your business
with a cash advance.

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Why yoco capital

Quick application, fast funding, painless payback.

Eligible Yoco merchants can now access a cash advance to help grow their business. There is no security or collateral required, so you don’t have to worry about using your assets to fund your business growth.

Apply online

Say goodbye to painful paperwork and long waits. Just log into Yoco Business Portal, see if you have a Capital offer, apply in a few clicks and get an instant decision.

Fast funding

Once approved, your cash advance is deposited into your bank account as soon as the next day. Use your funds for expansion, new staff, equipment or whatever your business needs.

One fixed fee

Pay one flat fee that you know upfront, before getting your cash advance. That’s it. There are no additional fees or hidden costs.

Easy payback

Yoco automatically takes a percentage of your daily card sales so that you never have to think about it. Just get on with business as usual.

If you’re not a Yoco merchant, sign up to start accepting card payments and become eligible for Yoco Capital after just three months.

How does it work

Fast, Simple, Convenient.

Watch the short video to learn how Yoco Capital works.

How much can I get?

Your Yoco Capital amount is based on card sales through your Yoco card machine. The more you sell, the more you can access. Receive up to 80% of your monthly turnover.

How much does it cost?

You pay one flat fee which is determined when you apply, with no fixed term. The fee is based on the amount requested, hold back rate (payback percentage) and your Yoco sales history.

How do I repay?

Your Capital amount is automatically paid back as a percentage of your daily Yoco card sales. Simple as that. Nothing to think about except getting on with business.


It depends on your sales history with Yoco.

Approval is based on your turnover and account history. If your sales increase, your access to more funds increases. You can get up to 80% of your monthly turnover. Eligible Yoco merchants receive an email and a notification in their Yoco Business Portal. New Yoco merchants need to be with Yoco for at least 3 months to be eligible for a Capital offer.

See if I have an offer

How capital compares

See why it works for you.

Yoco Capital vs Traditional Business Loans

Yoco CapitalTraditional
Business Loans
Pre-approved for an application amount?
Less than 5 mins to apply with no paperwork?
Receive your money within 1 day?
No collateral required?
One fixed, completely transparent fee?
Slower sales, slower repayment?

How to use capital

What our customers use their cash advance for.

+R120mFunds extended
+4000Merchants served
R2,500 - R1,000,000Capital amounts taken
New stock and equipment
New stores or expansion
Renovations or upgrades


What our merchants are saying

"It’s painless and effortless. Basically after three clicks it’s done and the money’s in my account the next day. "

Jean, Ultimate Bike Company

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"The best thing is the effortless payback - I don't even have to think about debit orders, or how I fund my advance if my sales slow down.”

Sharon, La Blosh Nail Boutique

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“When I tried to apply for a traditional small business loan I felt like I was buying a house. Yoco Capital is completely different.”

Boniface, Unique Driftwood Creations

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Learn how a cash advance can help your business grow

The top 5 ways South African businesses use capital

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What you need to get offered Yoco Capital

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Does your business really need funding?

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Get started

Ready to grow your business with Yoco Capital?