Overview

PayMongo Capital provides merchants with flexible financing solutions designed to help businesses access working capital quickly and grow without the hassle of traditional loan applications. Through our trusted partners GoTyme and Yied, merchants can choose between flexible revenue-based financing or a revolving credit line that suits their cash flow needs.

Capital offers two financing products:

Flexible Financing (Powered by GoTyme)

• Borrow a fixed amount and repay it automatically as a percentage of your daily PayMongo sales.
• No monthly due dates or late fees—repayment is seamless and linked directly to your transaction volume.

Credit Line (Powered by Yield)

• Access a revolving credit line with flexible drawdowns.
• Ideal for businesses needing on-demand funding with repayment options tailored to their needs.

Key Features

Flexible Financing (GoTyme)

• Revenue-based repayment
  Pay as you earn, with a fixed percentage deducted from your daily PayMongo sales.
• No late payment fees
  If sales slow down, repayments adjust accordingly.
• Quick access
  Get funds within 1–2 business days.
• Simple terms
  Capital fee is fixed for the entire term.

Credit Line (Yield)

• Revolving credit access
  Withdraw funds as needed, repay, and withdraw again.
• Tailored repayment
  Flexible interest structures depending on usage and repayment terms.
• Higher credit limits
  Ideal for growing businesses with larger working capital needs.

Business Case

Flexible Financing (Powered by GoTyme)

• Ideal for merchants with fluctuating cash flow who need fast, frictionless access to working capital.
• Unlock funds for short-term needs like inventory restocking or marketing campaigns.
• Repayment adjusts automatically with your daily PayMongo sales—no fixed dues, no late fees.

Best for merchants with seasonal sales patterns or those looking for low-risk capital without rigid repayment terms.

Credit Line (Powered by Yied)

• Perfect for businesses that require flexible, repeatable access to capital for growth and operations.
• Draw funds on-demand to cover operational costs, supplier payments, or business expansion.
• Bridge cash flow gaps during payout cycles while maintaining control over repayment schedules.

Suited for growing merchants who need higher credit limits and the ability to manage cash flow proactively.