Already have one or more merchant cash advances? Most funders stopped taking your calls after position 2. We start where they quit — and we fund up to 5th position deals up to $5M as a direct funder with in-house capital.
No broker. No syndication delays. Direct capital. Same-day decisions.
Most funders use a simple rule: decline anything past 2nd position. We built an underwriting system specifically for the deals they won't touch.
Each position represents a concurrent merchant cash advance against your future receivables. Here's who funds what — and where we come in.
Your original advance. Highest advance amount, most competitive factor rates, easiest to qualify.
A second advance while your first is active. Requires strong revenue and clean bank history. Many funders do this.
Three concurrent advances. Most traditional funders stop here — or before. File must show sufficient net cash flow.
Four concurrent advances. Complex deal requiring advanced underwriting. Very few funders in the market handle this.
Our ceiling. High-revenue businesses with exceptional deposit volume and minimal net remittance burden. We are one of the only direct funders at this level.
These are illustrative ranges — actual amounts depend on your net cash flow, existing remittance burden, and full underwriting review.
| Monthly Revenue | Target Position | Typical Range | Notes |
|---|---|---|---|
| $50,000/mo | 2nd | $25K–$75K | Lower range, moderate holdback tolerance |
| $100,000/mo | 3rd | $50K–$150K | Strong candidate for third position |
| $200,000/mo | 4th | $100K–$300K | Complex deal — specialty underwriting |
| $500,000/mo | 5th | $250K–$1M+ | High-revenue file — full analysis required |
All figures are estimates. Actual offers are subject to full underwriting review of bank statements and existing MCA contracts.
High-revenue businesses across these industries regularly maintain 2–5 concurrent positions. Our underwriters know each sector's cash flow rhythms.
Standard MCA underwriting looks at monthly deposits and time in business. Stacking underwriting is more nuanced — our team analyzes the net available cash flow after all existing remittances leave the account.
We look at your average daily balance, the total daily holdback across all existing positions, and the trend in your deposits over the past 3–6 months. A business depositing $200K/month with $30K going out to existing positions may have strong capacity for an additional advance. We model it precisely.
Our goal is to structure a position that gives you the capital you need without breaking your daily cash flow. A deal that funds but doesn't work for your business is not a deal we'll offer.
Submit Application
Basic business info — takes 2 minutes. No SSN required to start.
Upload Bank Statements
3–6 months of business bank statements + copies of existing MCA contracts or recent balances.
Net Cash Flow Analysis
Our team calculates your available net cash flow after all existing holdbacks to determine your real stacking capacity.
Same-Day Offer
Structured offer issued same day for complete files. Funding wires within 24 hours of signed contracts.
Already have 1–4 positions open? Tell us your revenue and we'll structure the next one.
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Disclosure: Merchant cash advances are a purchase and sale of future receivables — not a loan. Multiple concurrent MCAs increase your total daily remittance burden. Review all terms with a qualified financial advisor before accepting stacked positions. Factor rates and advance amounts vary by business qualifications.