3rd Position Merchant Cash Advance — Funded When Others Decline

Businesses with two performing MCA positions and genuine revenue that need capital for a real opportunity or gap — inventory buys, payroll timing, equipment, a large job's upfront costs. A third position fits when your deposits can absorb another debit; if they cannot, we say so and structure a consolidation instead.

Direct funder — no broker chain marking up your file. Underwriting built for stacked deals, not scared of them. Honest routing: a third position when it fits, restructuring when it does not. Same-day decisions for eligible applications.

Inventory ahead of a busy season, payroll during receivables gaps, equipment repair or replacement, materials for a signed job, and bridging insurance or invoice payment timing.

Generally $25,000 or more in monthly revenue, an active business bank account, and two existing positions that are current. Underwriting weighs deposits and payment performance, not credit score alone. Not all applicants qualify.

A fixed daily or weekly remittance, or a share of revenue, sized against your deposits minus your existing debits — not stacked blindly on top of them.

Banks will not touch a business with existing MCA positions, and most MCA funders cap at second position. The funders who remain often price third positions on desperation. As a specialist in 1st through 5th position deals, we underwrite the file, not the fear.