Quarterspot is first position only, they'll buyout up to 2 positions. Merchant must net 45% after buyout and QS maxes out at 150k, so I don't see that being a good fit. Credibly just launched a new "Business Expansion Loan", similar stipulations as QS, however they can fund up to 250k, so merchant may be able to net the 45k on top. I believe that will be your best option. It's also a simple interest model going out to 24 months, so overall probably a superior product to another advance.