Second Position Merchant Cash Advance in Tempe, AZ
Second positions add capital for Tempe owners without waiting for a payoff date. We send one application to funding partners that sit behind an existing advance.
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.
How is a second position merchant cash advance structured?
Funders look at how much room the first debit leaves in your deposits: the business has to carry both payments on an ordinary day.
How do funders decide?
How much of $100,000 in monthly deposits remains once the first funder is paid, and whether the account has stayed positive since the first advance.
How much can the second advance add?
What the bank deposits can carry after the first withdrawal. The example adds $35,000 for a business depositing $100,000 a month.
Where does a second position merchant cash advance fit in Tempe's economy?
Tempe's 7,071 employer companies include the trades below, each shown with its local count. The city's employers are mostly small: 3,404 have fewer than five employees.
| Trade | Businesses in Tempe | Per 10,000 residents | U.S. per 10,000 |
|---|---|---|---|
| Restaurants | 464 | 24.3 | 15.4 |
| Clothing and accessories stores | 114 | 6.0 | 3.5 |
| Plumbing and HVAC contractors | 84 | 4.4 | 3.2 |
What does a second position do for restaurants here?
A restaurant that took a first advance for food orders, payroll and kitchen repairs doesn't have to wait to fund an outdoor seating area or new kitchen line. Census counts 464 in Tempe; that's 24.3 per 10,000 people.
How does a second position fit clothing and accessories stores?
When a pop-up shop or a larger holiday buy comes up before the payoff date, a clothing store can stack a second position. Tempe has 114 of them, 6.0 per 10,000 residents (U.S.: 3.5).
How do plumbing and HVAC contractors in Tempe use it?
Parts inventory, vehicles and crew payroll took the first advance; another install crew or a second van can take the second. That trade has 84 locations here (4.4 per 10,000 residents).
What does a worked example of a second position merchant cash advance look like?
A restaurant bringing in $100,000 a month already pays its first funder $442 a day. Taking $35,000 in second position at 1.38 adds $383, for $826 a day combined until the first advance is done.
| Example item | Value |
|---|---|
| Monthly deposits (example) | $100,000 |
| First advance, daily debit | $442 |
| Second advance | $35,000 |
| Second advance factor rate | 1.38 |
| Second advance, daily debit | $383 |
| Combined daily debit | $826 |
| Percent of daily deposits | 17% |
How can the price come down?
Pricing follows risk: how much of every day's bank deposits the first funder already takes, and how the account has run since that advance funded. The stacked payment calculator lets you test other amounts.
Free to apply. You never pay us a fee. We call back, usually the same business day.
Where in Tempe do these trades cluster?
The largest ZIP by employer count is 85281, with 2,295; restaurants lead it with 200 locations.
| ZIP code | Employers | Leading trade | Its locations |
|---|---|---|---|
| 85281 | 2,295 | Restaurants | 200 |
| 85282 | 2,189 | Restaurants | 116 |
| 85284 | 1,290 | Restaurants | 77 |
| 85283 | 1,192 | Restaurants | 75 |
| 85288 | 207 | Restaurants | 7 |
How do I get quotes on a second MCA in Tempe?
- Apply in about five minutes and list the advance you already have.
- A broker calls to confirm how much room the deposits leave.
- Offers come back with the combined debit shown for each.
Who should skip a second position merchant cash advance?
If the first advance is nearly done, waiting for a new first-position advance can cost less. If you need lower payments rather than more capital, consolidation is the better fit.
Which towns around Tempe can apply?
Chandler sits 9 miles from Tempe. Phoenix counts 39,457 employer companies, the most within 50 miles.
| City | Distance | Employers |
|---|---|---|
| Chandler, AZ | 9 miles | 5,303 |
| Gilbert, AZ | 12 miles | 6,977 |
| Mesa, AZ | 12 miles | 9,918 |
| Phoenix, AZ | 16 miles | 39,457 |
Which questions about second position funding come up most?
Will my first MCA funder know about a second advance?
Your statements show the first debit, and the second funder reviews it. Some first contracts restrict additional advances, so we check yours before shopping the file.
Can I get 2nd position funding with weak credit?
Yes. Deposits and how the first advance has run matter more than the credit score.
Do Tempe plumbing and HVAC contractors qualify for a second position merchant cash advance?
Yes. Tempe has 84 plumbing and HVAC contractors, and any of them can apply; funders decide from deposits, time in business and open advances, and we show you every offer.
Need a second position MCA in Tempe?
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.