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Grow your business with a cash advance.

Header Logo

Grow your business with a cash advance.

Header Logo

Grow your business with a cash advance.

+R235 million

in funds extended


Yoco merchants served

R2,5k to R1m

Capital amounts taken

How does it work?

Offered to our eligible merchants, Yoco Capital is fast and flexible funding for small business. Once approved, we deposit your cash advance the very next day.

And the best part? It pays itself off every time you use your Yoco card machine.

Watch the short video to learn how Yoco Capital works.

If business slows down, your repayments do too.

Unlike a traditional bank loan, your Yoco Capital repayments are directly linked to the sales you make. If business slows down – or stops for a while – your repayments are automatically adjusted with no penalties or late fees.

Top up your Capital.

Already used Yoco Capital? Now eligible merchants can top up their cash advance.

  • The difference between your current repayment and the top up is paid to you within 24 hours.

  • You have up to 8 months to repay.

  • Repayment happens automatically every time you get paid through Yoco.

Simple. Fast. Convenient.

Accept offer online

No painful paperwork or 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.

Get fast funding

We deposit the cash advance into your bank account the next day. Use your funds for stock, new staff, equipment or anything your business may need.

No penalties or late fees

After paying one flat fee that you know upfront, Yoco takes a small % of your card transactions. If sales slow down, so do your repayments – with no penalties.

Yoco Capital vs traditional business loans.

Why Yoco Capital works for small business:

  • Pre-approved for the application amount.

  • Less than 5 mins to apply with no paperwork.

  • Recieve your money within 1 day.

  • No collateral required.

  • One fixed, completely transparent fee.

  • If sales slow down, repayment does too.

  • No penalties on slower repayments.

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. Eligible Yoco merchants receive an email and a notification in their Yoco Business Portal.

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.

Our customers on Yoco Capital.

Ultimate Bike Company

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

La Blosh Nail Boutique

"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

Unique Driftwood Creations

“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

Fund your small business with Yoco Capital.

Available to eligible Yoco merchants.

Check for offer