to date, the only people I have ever heard care about stacking are people who work in the MCA industry. In the rest of the world, it is customary to have multiple unsecured lines of credit at once. Whether or not a business or consumer can get more financing is up to the lenders. Some would consider OnDeck Capital to be stacked. But when the shoe is on other foot, all those capital raises of theirs and debt is looked upon as a good thing.

We congratulate funders on senior & subordinated credit lines in this business and then say merchants can't have more than 1 thing at a time because it's bad for them. Good for us but bad for them...

My guess is because of the cost. But if they can afford it?