You have to have a good underwriting team and risk analyses system that can calculate the risk and if the next stack will over-leverage the merchants. We have a no stacking agreement withing our contracts to secure ourselves as lenders and the merchants. The industry is full of grime and some brokers will ride on their greed and risk many merchants into busts/defaults.

We've seen merchants with 7 positions and were great payers and some were even put on our reverse consolidation program. It's sad to see how the some eager brokers are slowly killing the merchants with stacks.