the reason these smaller funding companies are stacking is because they cant compete head to head with the larger funders on the rates, offers, turns, to land a deal. they have to come in behind these funders and give small lumps of cash as a stack. see if any of these stackers will give $50k, $75K, $100K to a merchant over 12 months with a 30-35% rate...Dont think so. they are relying on two things to stay operating : 1- merchant needs cash sooner than when a renewal can occur, 2-the broker needs commissions and is willing to bring the deal to them to give more cash to merchant and train merchant on how to make it happen.