Yoco Capital

Yoco Capital provides fast, flexible business funding designed specifically for small and growing merchants. The product offers cash advances that are automatically repaid as a percentage of daily card sales, eliminating fixed installments and reducing cash‑flow pressure. Businesses can access funding within minutes, use it for inventory, expansion, or operations, and repay only when they trade. Yoco Capital enables entrepreneurs to grow without complex applications, collateral requirements, or traditional credit barriers.

Features

• Instant access to working capital based on recent sales performance
• Automatic repayment as a percentage of daily card transactions
• No fixed repayment schedule or monthly installments
• Simple, digital application with rapid approval
• Transparent cost structure with a single, upfront fee
• No collateral or paperwork required
• Flexible use of funds for stock, equipment, or operational needs
• Seamless integration with the Yoco payment ecosystem

Capabilities

• Assess eligibility using real transaction history for accurate risk evaluation
• Adjust repayment speed automatically according to daily trading volume
• Support seasonal, fluctuating, or variable‑income businesses
• Provide continuous access to new capital once previous advances are repaid
• Streamline the funding experience through end‑to‑end digital processing
• Enhance merchant financial stability through automated repayment logic
• Scale with merchants as their turnover increases

Benefits

• Improved cash flow without the pressure of fixed repayment dates
• Faster business growth through immediate access to capital
• Reduced financial risk due to repayment tied to actual sales
• Lower barriers to funding thanks to no collateral or lengthy paperwork
• Better operational flexibility with funds usable for any business need
• Higher confidence and stability through transparent and predictable costs
• Continuous growth cycles enabled by repeat funding opportunities