Explanation
A common stack pairs a low-cost SBA term loan or bank line for the base capital with a fintech line of credit for flexibility and reserve cards for working capital.
Reckless stacking — taking on multiple MCAs without a plan — destroys cash flow and is one of the leading causes of small business default.
Examples
- •Term loan (base capital) + LOC (flex) + cards (operating)
- •SBA + bank LOC + business credit cards
- •Equipment financing + working capital line
Find out where you actually stand
Funding readiness scoring, before you apply anywhere.
We review bankability, banking history, business credit file and documentation against what underwriters look for, so an application goes out when it can survive review.