Merchant Cash Advance Positions and Stacking
A second or third advance is priced and judged differently from the first. Read these pages in order before you take one, or before you take another.
Who should read this: Owners thinking about a second or third advance, and owners who already carry several and want to see the whole picture.
Read these pages in this order
Each page builds on the one before it. Skip ahead if you already know a step.
- Stacking and positions, explained What each position means and how funders read a statement with more than one advance on it.
- How much of your sales the debits take Work out the share of deposits every advance takes, then add them all together.
- UCC liens and advances Why the first funder's filing matters when another funder looks at your file.
- Second position advances How a second position offer differs from the first one in cost, size and term.
- Second and third position through Afterfirst What funders look for before they place an advance behind an existing one.
- Will your first funder find out? Why you should disclose every open advance, and what the contract usually says about it.
- Renewals instead of a new position When renewing with your current funder beats stacking a new one.
- Renewals and add-ons through Afterfirst How a renewal or add-on is sized against what you still owe.
- A new advance after a default What changes, and where we usually pass.
Run your own numbers
Use these alongside the reading order. Your numbers stay in your browser.
- Stacked payment calculator See the total debit across every position.
- Funder fit checker A rough read on whether a file fits the box funders usually use.
- Positions and stacking FAQ Short answers to the questions owners ask most.
Want a person to look at it with you?
Send one free application, or call 877-FUND-654. A person reviews your file, then we shop it with funders whose programs fit and show you every offer on the same lines. Merchants never pay Afterfirst a fee. You choose one offer, or none.
Questions owners ask
Can I get a second merchant cash advance while I have one?
Sometimes. Funders look at your deposits, at how much the first advance already takes, and at how long it has been paid. A second position usually costs more and is smaller than the first.
Should I list every open advance on my application?
Yes. Funders see the debits on your bank statements anyway, and leaving one off can put you in breach of your existing contract. List every open advance, with its payment amount.
Is stacking the same as consolidating?
No. Stacking adds another advance on top of the ones you have. Consolidating replaces them with one. The consolidation reading order covers that path.
Send one file.
See what fits.
Call 877-FUND-654 with questions.