4th and 5th Position Funding — The Deals Almost Nobody Underwrites

High-revenue businesses carrying three or four performing positions — commonly trucking, construction, restaurants, healthcare, and staffing — facing a genuine capital need or a payment stack that has outgrown deposits. If you have been declined everywhere because of your position count, this is the file we built our underwriting for.

One of the only direct funders that underwrites 4th and 5th positions. Honest structural advice — new position, consolidation, or reverse consolidation, decided by your numbers. No broker chain shopping your statements. Speed when it matters.

Bridging a receivables gap, covering payroll through a slow cycle, completing a funded job, or — most often at this position count — restructuring the existing stack into a sustainable payment.

Generally $25,000 or more in monthly revenue, an active business bank account, and current existing positions. High-position files are underwritten on deposit strength and payment performance. Not all applicants qualify.

A single fixed daily or weekly remittance sized to what your deposits genuinely support — whether that is a new position or a restructure that replaces several debits with one.

A fourth or fifth position file gets auto-declined by virtually every funder and every bank. The few that fund high positions often do it carelessly, which is how businesses end up past the point of repair. We specialize in this exact file — with underwriting discipline attached.