Business Resources › MCA Stacking
MCA stacking occurs when a business takes on multiple active merchant cash advance or revenue based funding positions at the same time. While stacking can increase access to capital in the short term, it also increases daily payment obligations and reduces available cash flow.
Each active funding position requires its own daily or weekly payment drawn from your business revenue. When multiple positions overlap those payments compound. A business that could manage one position comfortably may find itself under significant pressure with two or three running simultaneously.
Before taking on an additional funding position review your current daily obligations, your average daily deposits, and how much runway you have if revenue slows. Adding a position without this review is one of the most common reasons businesses end up in financial difficulty.
We review all existing positions before recommending or structuring new capital. If your current obligations are already putting pressure on cash flow we will tell you. Our goal is funding that supports your business not funding that creates a bigger problem down the road.
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Every business is different. If you have questions about MCA stacking, renewals, consolidation, business lines of credit, or term loans, submit the pre-approval form and we will review your situation.
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