Grow your business with a cash advance

Yoco Capital is a fast, flexible cash advance for small businesses using Yoco.

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Available to eligible Yoco merchants only

Loans for small businesses
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How it works

1

Go to your Yoco Portal to find out if you qualify for Yoco Capital.

2

Apply in 5 mins, get instant approval, and get your cash in 1 business day.

3

Your advance is paid off with a tiny percentage of every sale through Yoco.

What 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 to back your cash advance with any collateral. It's stess-free!

Super fast

If your application is successful, the money will be in your account in 1 working day.

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 How Yoco Capital can level up your business

Hire more staff

Need a bigger team to meet demand? Yoco Capital puts money in the bank so you can grow your staff compliment without hurting your cash flow.

Buy more stock

Need a cash injection to get more stock ahead of a busy period? Yoco Capital puts the money you need into your account.

Upgrade your equipment

Every once in a while, you need to invest in your equipment to stay ahead of the competition. Yoco Capital can help.

Open a store

Whether you're opening your first store or preparing to expand to a new area, Yoco Capital is a simple way to get the cash advance necessary to make it happen.

Hire more staff

Need a bigger team to meet demand? Yoco Capital puts money in the bank so you can grow your staff compliment without hurting your cash flow.

Buy more stock

Need a cash injection to get more stock ahead of a busy period? Yoco Capital puts the money you need into your account.

Upgrade your equipment

Every once in a while, you need to invest in your equipment to stay ahead of the competition. Yoco Capital can help.

Open a store

Whether you're opening your first store or preparing to expand to a new area, Yoco Capital is a simple way to get the cash advance necessary to make it happen.

Hire more staff

Need a bigger team to meet demand? Yoco Capital puts money in the bank so you can grow your staff compliment without hurting your cash flow.

Buy more stock

Need a cash injection to get more stock ahead of a busy period? Yoco Capital puts the money you need into your account.

Upgrade your equipment

Every once in a while, you need to invest in your equipment to stay ahead of the competition. Yoco Capital can help.

Open a store

Whether you're opening your first store or preparing to expand to a new area, Yoco Capital is a simple way to get the cash advance necessary to make it happen.

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Yoco Capital FAQs

Visit Help Centre

01

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 capital@yoco.com.

02

How long does it take to get the funds?

Once approved, your Capital amount will be in your account in 1 working day.

03

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.

04

How does the payback work?

The Yoco Capital payback is passive – you pay it back automatically as a tiny percentage of each sale through Yoco. So you only pay it back when you're getting paid!

Yoco Card Machines and Online Payments

Quiz Question 1

Want to sell in person, online or both?

In person

Online

Both