Stacking and positions affordability calculator

existing monthly  = Σ (position payment × payments per month)
new monthly       = new payment × payments per month
combined holdback = (existing monthly + new monthly) ÷ monthly true revenue × 100
payment capacity  = target holdback % × revenue − existing monthly
max new advance   ≈ capacity per payment × number of payments ÷ factor

Bands: under 15% combined is green, 15% to 25% amber, over 25% red. These are common rules of thumb, not a standard; lenders set their own limits, and in the app each organization sets its own thresholds.

A merchant with $80,000 monthly true revenue already pays one lender $300 a day ($6,300 a month). A new offer at $535.71 a day adds $11,249.91. Combined holdback is 21.9%, amber.

If you want to stay at 20%: capacity is 20% × $80,000 − $6,300 = $9,700 a month, or $461.90 a day. Over 126 daily payments at a 1.35 factor that supports an advance of about $43,100.

Each open advance is a position. Find them in the bank statements as recurring daily or weekly debits of a near-constant amount to the same descriptor. Many lenders cap the number of positions they will sit behind, and some will not fund within weeks of a new one. Read stacking for the risks.

If the combined figure is too high, look at a smaller advance, a longer term, or a consolidation that pays existing positions off from the new advance. In the app, existing positions live on the merchant and feed both combined holdback and lender matching, so a lender's position and holdback limits are checked automatically.