Stacked MCAs: How to Restructure 3+ Positions

"Stacking" is what happens when an owner takes a second, third, or fourth MCA to make payments on the first. By position five or six, daily withdrawals routinely exceed daily revenue. The business is operating on borrowed time.

Why stacking happens

The first MCA solves a short-term cash gap. The withdrawal is manageable. Six weeks later, the gap is back — and another funder is happy to fund. By position three, owners are usually paying $2,000–$5,000 per business day across all funders combined.

Why funders eventually cooperate

Every funder in a stack knows the math does not work. If the business closes, everyone collects pennies. If the business survives on a restructured plan, everyone collects most of the principal. Self-interest drives them to the table — but only when someone organizes the conversation.

The restructuring playbook

Step 1: Build the position map

For each MCA: funder, original purchase amount, balance, daily/weekly remittance, contract date, COJ status. We cannot negotiate what we cannot see.

Step 2: Pause and reset

Coordinated ACH revocation across all positions, paired with simultaneous outreach to each funder. This is the high-risk step — it must be done with a restructuring plan in hand, not as a panic move.

Step 3: Negotiate position-by-position with a unified term sheet

Each funder gets the same proposal: reduced principal, extended term, single monthly payment. Some accept immediately. Some require settlement. A few require litigation pressure.

Step 4: Document everything in writing

Releases, UCC terminations, COJ withdrawals. No verbal agreements.

What to expect

A typical 5-position stack restructures into a single payment of 25–40% of the prior combined daily withdrawals. The process takes 60–120 days. Send us your position list and we will model the likely outcome.