Grow your business with a cash advance
Yoco Capital is fast, flexible cash advance for small businesses using Yoco
Available to eligible Yoco merchants only
How it works
Go to your Yoco Portal to find out if you qualify for Yoco Capital.
Apply in 5 mins, get instant approval, and get your cash in 1 business day.
Your advance is paid off with a tiny percentage of every sale through Yoco.
What merchants love about Yoco Capital
If business slows down, so do your repayments. No fixed debit orders. No penalty fees.
You don’t need to back your cash advance with any collateral. It's stess-free!
If your application is successful, the money will be in your account in 1 working day.
Merchants growing with Yoco Capital
How Yoco Capital can level up your business
Buy more stock
Hire new staff
Open a store
Yoco Capital FAQsVisit Help Centre
How do I know if I’m eligible for Yoco Capital?
You need to be a Yoco merchant for 3 months to qualify for Yoco Capital. If you’ve been a Yoco merchant for 3 months or more and don’t have a Capital offer, please email firstname.lastname@example.org.
How long does it take to get the funds?
Once approved, your Capital amount will be in your account in 1 working day.
How does the payback work?
The Yoco Capital payback is passive – you pay it back as a tiny percentage of your transactions when you get paid through Yoco card machines or online payments.
Can I top up my advance before I’ve paid it off?
Yes. The difference between your current repayment and the top up is paid to you in 1 working day.