A single new advance used to pay off two or more existing positions, replacing several remittances with one.
Genuinely useful for a merchant whose daily obligations have become unmanageable, and frequently the more responsible option than another stack. The cost is usually higher than any individual position it replaces, because the funder is taking on the whole exposure.
Stacking
A merchant taking an additional advance while an earlier one is still outstanding, so multiple remittances draw on the same receipts.
Position
An individual outstanding advance against a merchant, counted in order — first position, second position, and so on.
Reverse consolidation
A funding arrangement in which a new funder makes periodic payments toward a merchant’s existing positions rather than paying them off outright.
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