Merchant Cash Advance

Do not have collateral and really need extra cash immediately? Plousio can help you to find the most competitive merchant cash advance offers that solves your business’ immediate capital needs.

In a Nutshell

Technically, a merchant cash advance (MCA) is not a loan, but rather a purchase of the future credit sales of a company. A MCA provider determines whether a business can pay back the funds in a timely manner by evaluating the daily credit card transaction volume of that business. MAC is ideal for businesses that need funding within 48 hours; however, the rate on this product can be extremely high, depending on the financial strength of the company.

Loan Amount

Up to $500K

Interest Rate

As low as 14%


Up to 24 month

Funding Time

As little as 24 hours

Benefits and Drawbacks


  • Fast approval and funding
  • No collateral is required
  • Flexible credit requirement
  • Little paperwork


  • Higher cost than other funding options
  • Inflexibility in changing payment processors
  • Daily or weekly payment reduces future cash flow

What Does It Take?

As you might know all loan products have minimum requirements to qualify. Knowing them in advance can significantly improve your chances of being approved and getting the funding that your business needs to grow. Have questions? Don’t worry, our team and our service can help you prepare your loan application and get you a great deal.

  • Monthy Sales: $5,000/month
  • Time in Business: 3 month
  • Bank statements (3 ~ 6 months)
  • Business tax return
  • Credit card processing statements
  • Credit report
  • Drivers license
  • Voided business check

How Does Plousio Work?

Plousio makes it easy to find a great small business loan with the most competitive rates. Simply answer a few questions, select a lender and fill out our account creation form and you’ll start receiving new offers right away! With 3 easy steps, you can get your death care business funded!

Step #1: Apply online or call 1-508-848-0534

Step #2: Receive the most competitive offers

Step #3: Get funded within 24 ~ 48 hours


Before approving a MCA request, the lenders would consider credit card processing volume, personal credit score, and average monthly sales during underwriting process. Most of the lenders will also consider existing MCA balance of the company.

Merchant cash advance can be used virtually for any purposes. We have seen customers used the fund for store renovation, inventory purchase, payroll, and more. This product is ideal for any business owner who need additional capital immediately.

MCA lenders generally have less strict underwriting requirements than other type of business loan lenders, and that’s also why their rates are so much higher than the ones from others. MCA lenders would fund businesses that have generated at least $5,000 monthly revenue for the past 3 to 6 month.

If you accept a $10,000 MCA offer with 1.14 factor and 6-month payment term, you would be obligated to pay $11,400 back to the lender within 6 month, which means that you would be paying 14% interest in just 6 month.

Plousio is a marketplace which brings together 75+ lenders to complete for your business loan request, so you can be sure that you are getting the most competitive offers available anywhere.

What our customers say about us!

Contact a Plousio Funding Adviser Today

If you need help with determining your funding eligibility or preparing application and documents, please contact our funding adviser today. Plousio funding advisers pride themselves in transparency and non-aggressive communication practices. They are not here to make sales quotas, instead, focus on helping you every step along the way of your funding process. In the unlikely event, you do not think that Plousio is the right solution for you, just let us know – No problem! We promise we wont be calling you 5 times a day like some other companies do.

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