[jotucker1983]

The lenders and the merchant are both wrong in this case, but merchants are going to have to take more active responsibility in these deals.

You have to run your business, feed yourself and feed your family, you can easily take out a calculator and calculate what your payments are going to be, to see that you will be paying out more in cash advance payments than you are grossing monthly in your business for a couple of months. You are already on short cycle payments in the first place, how can you quickly flip the money in now an even shorter period of time?

I personally don't think their cash advance related payments should go over the 15% - 25% of their monthly gross range, anything higher than that becomes too excessive to where you wonder how in the world are they even using the money for growth? They are just taking out money to pay off other advances.

The last thing I would do is call a merchant "stupid," but some days I question how in the world does this guy operate a $1 million business, doing insane stack deals like this? The deals make absolutely no sense.

Yes, the lenders shouldn't be marketing to them for stacks, but goodness just because you get a pre-approved credit offer in the mail, that doesn't mean you should take it if you can't afford it.