Already Have an Advance? Position Limits and Stacking Rules

The rules, plainly

Maximum current positions2

Term loanFirst position only

Line of creditCan sit in second position, subject to serviceability

BuyoutAn existing position with a balance of $100,000 or less can be bought out

Competitor payoff on a renewalOne competitor payoff allowed. A line of credit under $55,000 is not counted as a competitor position.

Stacking on an open line of creditNot allowed. Taking additional financing while a line is open freezes the line.

Stacking is the one that costs people the line

Second position funding and stacking are not the same thing, and the difference matters. Taking a second position before you open a line of credit is underwritten and allowed. Taking additional financing after the line is open is a breach and freezes the facility.

If you need more capital while a line is open, the move is to ask for an increase on the existing line, not to take a second product behind it.

2 positions is the ceiling, not a guideline

A term loan requires you to be in first position — clear the advance or refinance first

Disclose existing positions up front; underwriting finds them either way

A balance at or under $100,000 is a buyout candidate, not a decline

Already on daily debits? See how a refinance into weekly payments works →

How it works

1. Apply in minutes

A short application. No impact to your credit score to see what you qualify for.

2. Same-day decision

We review revenue, time in business and bank activity — not just a credit score.

3. Review your terms

You see the amount, the term and the total cost before you sign anything.

4. Funded next business day

Money in your account, typically the next business day after signing.

Common questions

Can I get funded if I already have a merchant cash advance?

Yes. Up to 2 current positions are allowed, and a balance of $100,000 or less can often be bought out.

Can I get a term loan with an open advance?

No. A term loan is first position only. A line of credit can sit in second position.

What is stacking?

Taking additional financing on top of an existing facility. On an open line of credit it is not allowed and will freeze the line.

How many positions is too many?

More than 2 current positions falls outside the published limits.

Will you pay off my existing advance?

A position with a balance of $100,000 or less can be bought out.

An open advance is not an automatic no.