[funding pro]

They take affordability into careful consideration.

The problem is that the primary funder already did this. In most situations the merchant is already maxed out at what the first funder believes that business can operate on with a reduced percentage of their revenue. Yes, in some situations the merchant has the ability to lose a larger percentage of their sales and continue to operate, but it is not the secondary funders place to make that decision.

The merchant has already sold their revenues to the first funding company and contractually agreed not to "stack". While many times merchants are knowingly breaking this agreement, there are also funding companies lying to the merchants and telling them they can do this. I've heard it first hand.