Stacking
A merchant taking an additional advance while an earlier one is still outstanding, so multiple remittances draw on the same receipts.
Funders object because a second position does not create new revenue, it divides revenue already committed. Default rates on stacked positions exceed 40%, against 11–18% typically — nothing about those businesses differs except how much of the daily take is spoken for before anyone else is paid.
Why it matters to a broker
Ask about existing positions on the first call, every time. A disclosed position is a pricing input; one the underwriter finds in the statements costs you the submission and some standing with that funder.
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