Yoco Capital is a fast, flexible cash advance designed to help businesses like yours access funding quickly and easily. It can be used for anything business-related: renovations, buying stock, managing cash flow during quieter periods, and more.
What you need to know about Yoco Capital
Yoco Capital offers are based on your current business performance and transaction history.
Offers are automatically generated in the Yoco App (mobile or web).
No interest is charged on the cash advance, just a once-off upfront fee.
There’s no need to back your cash advance with any collateral.
There are no late fees, penalties or hidden costs.
Repayments are calculated as a percentage of your daily sales.
The repayment percentage and upfront fee are agreed during the approval process.
There’s no fixed repayment term; the time it takes to pay back your cash advance is determined by your daily sales volume.
There’s no paperwork involved, everything happens through the Yoco App.
Yoco Capital funds are paid into the account linked to your Yoco profile within 1–2 business days.
✨ Because your Yoco Capital repayments are calculated as a percentage of your daily sales, the more sales you make, the faster your Yoco Capital advance is repaid. On the days you don’t make any sales, no repayment is deducted.
Yoco Capital isn’t a loan…
There’s no interest on a Yoco Capital advance, just a single upfront fee that stays the same, even if it takes you longer than expected to repay the cash advance.
There’s no fixed monthly repayment, your repayments are deducted daily as a percentage of your sales.
There’s no need to explain why you need the capital, or what you're using it for.
Yoco Capital can help you…
Hire more staff without hurting your cash flow.
Buy extra stock to prepare for busy periods.
Invest in training to upskill your staff.
Upgrade your equipment to stay ahead of the competition.
Open a new branch to grow your business.
Protect your cash flow when business is slow.
Qualifying for Yoco Capital
You need to meet the following minimum requirements to be considered for a Yoco Capital cash advance:
You must have been trading with Yoco for more than six months.
You must have processed at least 10 Yoco transactions in the last 90 days.
Your average minimum Yoco card turnover must be over R4 000 per month.
✨ Accepting a Yoco Capital offer won’t affect your credit rating, which is something we look at when assessing your eligibility for an offer.
Please note: Meeting the minimum criteria doesn’t guarantee that you’ll receive a Yoco Capital offer. Neither does previously qualifying for an offer. Our financial partners evaluate multiple risk factors and conduct a comprehensive risk assessment that’s unique to your specific business. Offers are also subject to our partners' current lending criteria.
What if you don’t qualify for a Yoco Capital offer?
If you don’t have a Yoco Capital offer waiting for you in the Yoco App (mobile or web), we recommend that you keep using your Yoco card machine(s) to build your transaction history and improve your profile for your next assessment. Once your transaction volumes reach the required thresholds, our capital partner will automatically review your account and consider you for a cash advance.
How to access your Yoco Capital offer
There’s no need to apply for Yoco Capital or to submit any documentation to become eligible for an offer. If you meet all qualifying criteria and an offer is generated, you’ll be notified by email and in the Yoco App (mobile or web). Follow the steps below to view the in-app offer.
✨ Don’t wait or hesitate! Yoco Capital offers are valid for at least 24 hours, but can change or expire any time after this period at our Capital partners' discretion.
Log in to the Yoco App (mobile or web).
Select the Money tab.
Select the Yoco Capital tile.
4. When the Yoco Capital page opens, look at the blue block at the top of your screen to view your offer.
💡 Good to know: Only business owners are able to view the Yoco Capital offer in the Yoco App (mobile or web).
✨One tile, many functions. The Yoco Capital tile in the Yoco App lets you:
View information about your current and previous Yoco Capital advances.
Check what you still owe on your Yoco Capital advance.
Track your repayment progress and see how much longer you're likely to take to repay your advance.
Additional Yoco Capital offers
Once you’ve repaid your cash advance, you’ll be assessed to see if you qualify for a new Yoco Capital offer.
If you repaid your advance within the expected term, you could receive a new offer immediately.
If you took longer than expected to repay your advance, our partners typically wait 3–6 months before considering you for a new advance.
✨ Being approved for a Yoco Capital offer doesn't guarantee that you’ll qualify for a future one.
Yoco Capital top-ups
A Yoco Capital advance does exactly what it says – tops up an existing Yoco Capital advance. Here’s how to qualify for this extra cash boost.
Sixty days into the repayment period on your Yoco Capital advance, our system automatically conducts daily assessments on your profile based on your transaction patterns and repayment history.
If you qualify for a top-up and accept it, your current Yoco Capital advance is closed and the outstanding balance is added to your new advance (only one open Yoco Capital advance is permitted per profile).
You’ll be charged a once-off upfront fee that covers your top-up amount as well as your outstanding amount.
💡 Good to know: If you don’t qualify for a Yoco Capital top-up, it’s still possible to apply for a new Yoco Capital offer once you’ve repaid your existing one.
💵 Yoco Capital FAQs
I had a Yoco Capital offer yesterday, but I can't see it today? Yoco Capital offers are valid for at least 24 hours, but they can expire or change without prior notice. Keep checking the Yoco App for new offers.
Can I change my repayment percentage? No, you agree to the repayment percentage when accept the Yoco Capital offer, and this percentage remains in place until your cash advance has been repaid.
Which bank account is my Yoco Capital offer paid into? Your Yoco Capital offer is paid into the bank account linked to your Yoco profile. If you would like to change your bank details, follow these steps:
Log in to the Yoco App (mobile or web).
Tap on your business name in the top right corner of the Yoco Mobile App or click on it in the bottom left corner of the Yoco Web App to open up the Business settings page.
Select Bank Details to change your banking information.
Can my Yoco Capital offer be declined after being approved? Yes, in some cases, an offer may be approved initially, but later declined for one of the following reasons:
CIPC registration issues discovered during final verification.
Existing advances with other financial institutions.
Changes in business status between approval and the advance being paid out.
If the status of your application changes, you will be notified by a Yoco consultant.
My Yoco Capital advance has been approved. Why haven't I received my funds? If your approved Yoco Capital funds haven't been paid into the bank account linked to your Yoco profile within three business days, it might be due to a verification issue. Before issuing any funds, we verify all business’ CIPC status and if a company shows as deregistered or has outstanding annual returns, the offer is cancelled.
If your company has outstanding annual returns, you can: