A funding arrangement in which a new funder makes periodic payments toward a merchant’s existing positions rather than paying them off outright.
The merchant’s daily obligations reduce because the new funder services the old positions, while the merchant repays the new funder on different terms. Structurally complex, priced accordingly, and the existing agreements remain in place throughout.
Consolidation
A single new advance used to pay off two or more existing positions, replacing several remittances with one.
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.
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