Second Position Merchant Cash Advance in Kissimmee, FL
A second position merchant cash advance adds funding for a Kissimmee business that already has an advance. We take one application to funding partners that accept second positions and lay out their offers.
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How does a second position merchant cash advance work?
A second position is an additional advance that sits behind one you already have. The first funder keeps its debit, and the second funder adds its own.
What does the review cover?
The first contract, the bank statements since it funded and what every day's deposits leave once that debit clears.
How much can the second advance add?
What the bank deposits can carry after the first withdrawal. The example adds $31,000 for a business depositing $103,000 a month.
Where does a second position merchant cash advance fit in Kissimmee's economy?
Of the trades on this page, restaurants are the largest group in Kissimmee, at 121 companies out of 1,872 employers. Employer density is 21.9 per 1,000 residents here, compared with 24.5 for the country.
| Trade | Businesses in Kissimmee | Per 10,000 residents | U.S. per 10,000 |
|---|---|---|---|
| Restaurants | 121 | 14.1 | 15.4 |
| Clothing and accessories stores | 50 | 5.8 | 3.5 |
| Residential remodelers | 40 | 4.7 | 3.9 |
Is a second position right for restaurants?
The case for a second advance: a patio build-out or a second location now, with food deliveries, line-cook payroll and equipment upkeep already funded. The city counts 121, at 0.9x the U.S. density.
How do clothing and accessories stores in Kissimmee use it?
Second positions let a clothing store keep stock buys, fixtures and floor staff covered and still fund a second store or a bigger stockroom. In the city, 50 operate, or 2.7% of employer companies.
When do residential remodelers reach for a second position?
Mid-term growth for a remodeling company means a second crew or bigger contracts; a second position pays for it. Census counts 40 in Kissimmee; that's 4.7 per 10,000 people.
What would a second position merchant cash advance cost a Kissimmee restaurant?
With monthly deposits of $103,000 and a first debit of $455, a restaurant adding a $31,000 second position at 1.38 would carry $795 a day in total for six months.
| Worked example | Value |
|---|---|
| Monthly deposits (example) | $103,000 |
| First advance, daily debit | $455 |
| Second advance | $31,000 |
| Second advance factor rate | 1.38 |
| Second advance, daily debit | $340 |
| Combined daily debit | $795 |
| Debit as a share of daily deposits | 16% |
What sets the cost?
Pricing follows risk: how much of every day's deposits the first funder already takes, and how the account has run since that advance funded. Try your own numbers in the stacked payment calculator.
Free to apply. You never pay us a fee. We call back, usually the same business day.
How do Kissimmee employers compare with the rest of Osceola County?
Of Osceola County's 8,617 employers, 1,872 are in Kissimmee. Among firms with 5 to 9 employees, the city has 274 and the county 1,171.
| Employees | Kissimmee | Osceola County |
|---|---|---|
| Under 5 | 1,173 | 5,694 |
| 5 to 9 | 274 | 1,171 |
| 10 to 19 | 204 | 838 |
| 20 to 49 | 144 | 593 |
Where do Kissimmee owners apply for a 2nd position MCA?
- List your current funder and balance on the form.
- We call to go over the first contract and what the account can carry.
- You compare second-position offers and sign the one that fits.
When is another option better?
If the goal is lower payments rather than new money, a second position works against you; consolidation is the better fit. For a gap that repeats each month, a line of credit costs less than stacking advances.
Which towns around Kissimmee can apply?
St. Cloud sits 10 miles from Kissimmee. Orlando counts 12,631 employer companies, the most within 50 miles.
| City | Distance | Employers |
|---|---|---|
| St. Cloud, FL | 10 miles | 830 |
| Orlando, FL | 13 miles | 12,631 |
| Winter Garden, FL | 20 miles | 647 |
| Ocoee, FL | 20 miles | 1,081 |
What does a Kissimmee business need to know about a second advance?
Which funder is paid first when two advances run?
The first funder. That order is why second positions are priced higher.
What does a 2nd position MCA cost?
In the example, $31,000 at a 1.38 factor, so the payback is $42,780.
What does a restaurant need to get a second position merchant cash advance?
Recent bank statements and a few minutes for the application. Kissimmee's 121 restaurants apply the same way as any other business.
Need a second-position advance in Kissimmee?
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.