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I have multiple merchant cash advances — what should I do?
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If you're carrying multiple ("stacked") merchant cash advances, the priority is to stop the bleeding before the combined daily debits outrun your revenue. Practical steps: stop taking new advances immediately, map every advance and its true cost, check each agreement for a reconciliation clause, and pursue a settlement that consolidates the stacked balances into one affordable, reduced payoff. Borrowing more to cover the existing payments almost always deepens the problem.
Why stacking is the crisis settlement fixes best
Stacking is the single most common path into merchant cash advance crisis, and it's also the situation settlement is best suited to resolve. When several funders are all pulling from the same account, negotiating the whole stack down at once is far more effective than fighting each debit in isolation.
Map before you move
Before negotiating, list every advance: funder, balance, payment, frequency, and whether each has a reconciliation clause. That map tells you which advances have the most give and where your leverage is. MCA Clarity works specifically with stacked merchants to negotiate the whole stack down together.