Second Position Merchant Cash Advance in Prescott Valley, AZ
Second position merchant cash advances let Prescott Valley operators raise more capital while a first advance is still running. We send one file to the funding partners that take them and compare the quotes with you.
A nationwide broker headquartered in Los Angeles. Free to apply, you never pay us a fee, and we call back, usually the same business day.
What is a second position merchant cash advance, and how is it repaid?
Two advances, two withdrawals: the second funder's $25,000 in the example is collected alongside the first until each contract is complete.
What counts most in the review?
The first contract, the statements since it funded and what each day's bank deposits leave once that debit clears.
Why take a second position instead of waiting?
Because the opportunity is now. For a restaurant, that means a second dining room or a catering kitchen while the first advance is still running.
Which trades in Prescott Valley benefit most?
Among these trades, restaurants have the most locations in Prescott Valley: 57. The city's employers are mostly small: 468 have fewer than five employees.
| Trade | Businesses in Prescott Valley | Per 10,000 residents | U.S. per 10,000 |
|---|---|---|---|
| Restaurants | 57 | 10.9 | 15.4 |
| Plumbing and HVAC contractors | 22 | 4.2 | 3.2 |
| Landscaping companies | 21 | 4.0 | 3.4 |
How does a second position fit restaurants?
Second positions let a restaurant keep food deliveries, line-cook payroll and equipment upkeep covered and still fund a patio build-out or a second location. In the city, 57 operate, or 6.4% of employer businesses.
What does a second position solve for plumbing and HVAC contractors?
Growth for an HVAC or plumbing company looks like another service truck or technician. A second position pays for it mid-term. The city counts 22, at 1.3x the U.S. density.
When do landscaping companies reach for a second position?
Seasonal crews, fuel, mulch and plants took the first advance; new mowers or a second crew can take the second. Prescott Valley counts 21 of them, 2.4% of local employers.
How do the numbers work out for a restaurant?
Sized for a restaurant: monthly deposits $99,000, first debit $438, second advance $25,000 at 1.38, combined debit $712 a day.
| Worked example | Value |
|---|---|
| Monthly deposits (example) | $99,000 |
| First advance, daily debit | $438 |
| Second advance | $25,000 |
| Second advance factor rate | 1.38 |
| Second advance, daily debit | $274 |
| Combined daily debit | $712 |
| Percent of daily deposits | 15% |
What sets the cost?
A second funder is paid behind the first, so second positions are priced above first positions. The lower the combined withdrawal is as a share of bank deposits, the better the offers. Check other amounts with the stacked payment calculator.
Free to apply. You never pay us a fee. We call back, usually the same business day.
What does the Yavapai County business base look like?
The city accounts for 14% of employers in Yavapai County. By size, 164 city firms employ 5 to 9 people, compared with 1,137 across the county.
| Employees | Prescott Valley | Yavapai County |
|---|---|---|
| Under 5 | 468 | 3,925 |
| 5 to 9 | 164 | 1,137 |
| 10 to 19 | 135 | 790 |
| 20 to 49 | 79 | 509 |
How do I get a second MCA in Prescott Valley, AZ?
- Fill out the short application; mention the first contract's date.
- We check whether your first contract allows a second position before the file goes anywhere.
- Second-position funders send quotes; you compare them and sign the one that fits.
Is a second position merchant cash advance ever the wrong tool?
If you need lower payments rather than more capital, consolidation is the better fit. If the first advance is nearly done, waiting for a new first-position advance can cost less.
Do we take files from around Prescott Valley?
Prescott sits 7 miles from Prescott Valley.
| City | Distance | Employers |
|---|---|---|
| Prescott, AZ | 7 miles | 932 |
Which questions about second position funding come up most?
What is the daily payment with two merchant cash advances?
Add the two withdrawals together. In the worked example, the account carries $712 a day until the first advance ends.
Can a 2nd position MCA hurt my first advance?
No, as long as the first contract allows it and both withdrawals clear. We read the first contract before shopping the file.
Do Prescott Valley plumbing and HVAC contractors qualify for a second position merchant cash advance?
Yes. Prescott Valley has 22 plumbing and HVAC contractors, and any of them can apply; funding partners decide from bank deposits, time in business and open advances, and we show you every offer.
Ready to see numbers on a second position merchant cash advance for Prescott Valley?
Applying is free, and you never pay us a fee. Call 877-FUND-654 with any question. We call back, usually the same business day, and we talk with you before your file goes to any funder.