[Finance1]

There are clearly 2 types of stacks out there. There's the most prolific- bottom feeding on desperate merchants. 1.40's over 6-8 weeks is shameful. It's nothing more than taking a gamble that you get paid back at least the principal and then get some juice if the merchant survives. I know they aren't *all* like that but I've seen enough.

Then there's the ones where a business is healthy and can clearly afford to repay something in the interim while the longer term deal in place continue to season. Those businesses aren't taking 1.40/6 week deals though. That is the "niche" for "good stacking". Not saying I agree with any of it but if it HAS to be done then these type of stacks are at the very least "much less damaging".

[Capital Stack]

Well said!

There are clearly 2 types of stacks out there. There's the most prolific- bottom feeding on desperate merchants. 1.40's over 6-8 weeks is shameful. It's nothing more than taking a gamble that you get paid back at least the principal and then get some juice if the merchant survives. I know they aren't *all* like that but I've seen enough.

Then there's the ones where a business is healthy and can clearly afford to repay something in the interim while the longer term deal in place continue to season. Those businesses aren't taking 1.40/6 week deals though. That is the "niche" for "good stacking". Not saying I agree with any of it but if it HAS to be done then these type of stacks are at the very least "much less damaging".

[merchantscap1]

SHAMEFUL ! 1.40 6-8 week ???? The legal term is UNCONSCIONABLE ! We are going to find one States Attorney General out there looking to make our industry an example... A " Cause" for his next re-election... Only time will tell...

There are clearly 2 types of stacks out there. There's the most prolific- bottom feeding on desperate merchants. 1.40's over 6-8 weeks is shameful. It's nothing more than taking a gamble that you get paid back at least the principal and then get some juice if the merchant survives. I know they aren't *all* like that but I've seen enough.

Then there's the ones where a business is healthy and can clearly afford to repay something in the interim while the longer term deal in place continue to season. Those businesses aren't taking 1.40/6 week deals though. That is the "niche" for "good stacking". Not saying I agree with any of it but if it HAS to be done then these type of stacks are at the very least "much less damaging".