If you got your first position funded for "x" but you really needed "y" to resolve your issues as a merchant, are they really going to stop searching for additional funds? If a merchant got $20K because that specific funder had an UW matrix that funds a low % of gross sales, but really needed $40K, is it fair to handcuff the merchant and not allow them to obtain the necessary funding from someone else? I agree with some posts, its the 3rds on that seem to be questionable. Every deal is different. Each business has different margins, bank health etc. you can't generalize that ALL stacking impacts merchants in a negative manner.