Be careful with the 2nd position. You dont wanna strand the merchant with a huge balance and no way to get more funds except for small 2nd's/ The only thing is if the company giving the second will commit to giving the merchant a comparable deal once his balance comes down then you can do it. Thats what I tend to like to do here at YSC. We do give seconds but it is done as a bridge to giving them first porition money when the balance comes down.