C4B- That is probably the best post I've read on this site!

About a month ago I tried to jump into a stacking debate, saying maybe stacking is mainly a byproduct of the overall culture of MCA that is created by Lenders. I suggested that if some Lending practices expand (among other things) a lot less stacking would go on. I got the usual "Well why don't you just use your own money and fund it yourself" response, which some may be tempted to give you as well. Or they will make sure to point out your Refi example can never happen to them because the Merchant must net over 50%..... How many Funders would let a Merchant in good standing with strong balances do a true add-on when they are 50-65% paid off?