[JSL23]

The numbers don't work for refinancing. 320k per year in cc is 26k a month so the most he can get is 50k on a cc deal. For an ACH deal, the most he can get is 10% of gross or 70k. No one can refinance him until his outstanding balance for both advances is around 25-30k. Your best bet is a third position stacker lol.

It sounds like he is almost there-80% done with the $15,000 and the $22,000 is new, but if the Merchant is willing, it can probably be done in 1-3 weeks. 3rd position wouldn't do much for the Merchant, the Lender or the Broker. Maybe just wait for the $15,000 to be over if you can.