Stacking happens when a business adds a second or third advance on top of one it has not finished paying. Each funder collects its own remittance, so the payments add together while revenue stays the same.
Later positions often cost more, because those funders stand behind earlier ones. Many advance contracts also forbid new financing without consent, so a stacked advance can put you in default on the first.
Example: A first advance debiting $401.79 per business day takes about 14% of $60,000 in monthly deposits. Add a second at $350 per business day, and the combined $751.79 takes about 26%, or $15,787.59 a month at 21 business days.
If payments already strain your account, compare consolidation or a longer-term option before adding a position.