Stacked MCAs: How to Break the Cycle
What is Stacking MCAs?
Stacking MCAs means taking out multiple merchant cash advances (MCAs) to cover payments on older ones, and it is one of the fastest ways for small businesses to lose financial flexibility. It starts as a short-term fix, but the overlapping daily drafts can quickly become unmanageable.
Why It Happens
MCA funders rarely coordinate with one another, and each daily debit adds up until payroll and vendor payments are at risk. Owners often take new advances just to stay afloat, deepening the cycle.
What You Can Do
Stop adding new advances—no matter how attractive the offer looks.
Document all existing agreements—dates, balances, and payment terms.
Seek professional review—stacked MCAs can often be restructured or consolidated.
Davenport Law is Here to Help
Davenport Law helps clients unwind these complex funding webs by prioritizing obligations, contacting funders directly, and negotiating relief options that restore cash flow.
Takeaway
Stacked MCAs rarely resolve themselves. A structured approach can stop the bleeding and give your business room to recover.
Need clarity about your situation?
Simply hit the “Contact” button at the top of this page to schedule a review with Davenport Law to understand your options and plan a path forward.
