If your business is currently carrying over $100,000 or more multiple stacked merchant cash advance positions, you already know the daily or weekly ACH velocity is hitting an unsustainable tipping point

• The average default rate for single Merchant Cash Advances (MCAs) sits between 10% and 20%, but for multiple stacked MCA positions over $100,000, the default rate rises drastically to 3 to 5 times the baseline rate, often pushing the probability of default above 75%. In large-dollar financing stacks, the overlapping daily ACH debits commonly consume 40% to 60% (or more) of a company’s gross daily revenue
• Exorbitant Annualized Costs: While marketed as a simple “factor rate” stacking these positions yields an effective annualized percentage rate (APR) that frequently surpasses 150% to 300%. 
• Let’s avoid this take out the stress, avoid defaults (it gets ugly) and turn your multiple daily or weekly sweeps into a one weekly payment and cut out flows by 30-80%.

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