Once you've accepted a Yoco Capital cash advance and the funds are in your account, repayments are deducted automatically as an agreed-upon percentage of your daily sales.
The more sales you make, the faster your advance is repaid. Yoco Capital works the way your business does.
💡 Good to know:
On the days you don’t make any sales, no repayment is deducted.
There's no fixed repayment term and no penalties if it takes you longer than expected to repay your advance. But, delays may affect your eligibility for future Yoco Capital offers.
If you settle your full balance in one go, you may also receive a discount on your remaining fees.
Early repayments and catching up
Want to make a lump sum payment, settle your advance early, or catch up on missed repayments? First, check the Yoco Capital page in the Yoco App (mobile or web) for a manual payment option – look for the Make a repayment button. If there isn’t one, follow the steps below.
❗Important: Always contact us before making a manual payment so we can pause your automatic deductions.
Open our in-app chat – look for this blue chat icon on the Hub, Sales, Money, or Settings tab.
Select Send us a message and type Talk to a person to start a conversation with a Yoco Capital consultant.
Let the consultant know what you'd like to do:
Lump sum or early settlement: The consultant will share the Yoco Capital banking details and a unique reference number.
Catching up on repayments: The consultant can increase your repayment percentage (to as much as 90% of your daily sales) or help arrange additional EFT payments.
Yoco Capital FAQs
Where can I check my repayment history?
Where can I check my repayment history?
Your Yoco Capital repayments appear as a line item on your monthly Yoco invoice. You can also view them by going to the Money tab in the Yoco App (mobile or web) and selecting the Yoco Capital tile/widget.
Can I change my repayment percentage?
Can I change my repayment percentage?
No, you agree to the repayment percentage when you accept the offer, and it remains in place until your advance has been fully repaid.
How do I qualify for another Yoco Capital offer?
How do I qualify for another Yoco Capital offer?
You could qualify for a top-up while repaying your initial advance, or be assessed for a new advance once you've paid it back. Find out more here.
Need more help?
Start a conversation with a Yoco Support consultant via our in-app chat.