The useful measure is not the number of positions but the share of daily receipts they already consume. One position on a strong file is ordinary and two is placeable; beyond that the field narrows sharply, and a merchant whose existing remittances take a large slice of daily takings is close to unfundable regardless of how many separate agreements produce them.
Brokers ask this as a counting question and funders answer it as an arithmetic one. Three small positions on a business doing $200,000 a month is a different file from two large ones on a business doing $40,000, and the count is the same.
| Positions | Typical effect |
|---|---|
| 0 | Full field, best pricing |
| 1 | Ordinary. Most funders unaffected |
| 2 | Placeable, narrower field, worse pricing |
| 3 | Specialist funders, short terms, expensive |
| 4+ | Very limited, and usually the wrong product |
Disclose both up front. A funder who finds a position in the statements after you told them about one reads every subsequent submission from you differently, and the cost of that lasts far longer than the deal. Position the file to funders who write second and third position deliberately rather than hoping it slips through.
One is ordinary and two is placeable with a narrower field and worse pricing. Three needs specialist funders and four or more is usually the wrong product rather than a hard search.
No. What matters is the share of daily receipts the existing remittances consume, plus what yours would add. Three small positions on a large business can be safer than two large ones on a small one.
Always, up front. A position discovered in the statements after you disclosed one costs you the deal and changes how that funder reads every file you send afterwards.
When existing remittances plus yours would consume most of the daily takings. At that point you are not underwriting a deal, you are scheduling a default with your name on the submission.
In the statements — identical debits recurring on every business day, roughly 21 or 22 times a month. Weekly positions appear four or five times and are the ones most often missed.
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