[Karen37a]

Since this Question came up and the dispute over numbers.

I can pose hypothetical questions and let people either ponder it or fight among themselves because I will not add to it, it does nothing for me.
Depending on the grade of paper and strategy, these numbers should vary and volume, time in business.
And initial lead source.

And as someone pointed out ...this is my limited ( Jan is 3 year) experience; not Loans which goes back further nor the imaginary venture capital decade
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# 1 What % of Merchants take one and only one Cash advance that you have come across?( For me it's 0 based on my lead sources and what I have seen)

#2 When they requested additional money did they wait for renewal or stack? Add on? And why? ( this has been directed or steered by mca brokers and funders IMO )

#3 If you stacked someone instead of waiting for renewals or add-ons why? ( sometimes there's a legitimate reason but sometimes funders won't budge and also brokers can be greedy)

# 4 Did you receive a commission for the stack? Or stacks? How many ? did you consolidate after that?

# 5 How long did the merchant stay alive before he defaulted or achieved his goal of Financial Freedom thru his expansion or Marketing plan?

#6 How many merchants were stacked? ( from my viewpoint 70-80 % or almost all?)


Now if almost everyone is stacking....how far stretch is it to think " if I keep the stackers off the backend of my advance, I can renew or do an add-on if they want more money, which almost all of them will " 100% if they do not default. And if I can keep them for overextending themselves, they can renew or do add-ons 3-4 times.( instead of someone snatching my commission or bankrupting my future renewal commission)

I do not mind posting this because what I have found is that if "some" brokers have a choice of stacking and getting 1k today...or waiting to Consolidate or renew in 30-45 days for 7 k....he is going to take the 1k all day every day.They( some) do not even care if they default or bankrupt them.

So. if you are stacking do you feel like you took your own renewal away?,....if you didn't stack would you have renewed all of them?? or all who didn't default?? ( or a high % of ) I do not see these merchants taking one advance only. Maybe someone else does.

So if you count a stack as a semi "renewal"( which you cant this is hypothetical ) some of you are at 90%?All who didn't default? Not sure of anyone's numbers.

Renewing ...1-3/4 times addon( healthy second/third not behind your own Funder) ....vs stacking 3-7

Renewing/add-ons make you less money temporarily..time passes and a lot of drama fighting off the backdoor bonanza and bandits.IMO.

To each their own

Again Happy Holidays waving ***