MCA stacking used to be the move. Quick capital. Fast closes. No questions asked. But in 2025, what used to feel like momentum now looks more like a dead end.
Merchants are exhausted. Brokers are frustrated. And funding fatigue is real.
Every day, more SMBs are juggling multiple MCAs and struggling to keep up with daily payments that drain their cash flow and stall their growth.
The question isn’t if the model is broken. The question is what replaces it.
Why MCA Stacking Has Hit a Wall
What was once a short-term solution has become a long-term liability. Here’s what we’re seeing:
- ❌ Payment Overload: Daily or weekly debits from multiple funders choke operational cash flow.
- ❌ No Room to Grow: High repayment pressure limits marketing, hiring, and inventory investment.
- ❌ Renewal Roadblocks: Stacked advances often disqualify merchants from future funding.
- ❌ Mounting Merchant Frustration: Trust erodes when funding feels like a trap.
The hard truth? Stacking is the symptom of a short-term mindset, and brokers who stick to it are watching good deals slip through the cracks.
What the Best Brokers Are Doing Instead
Top-performing brokers are flipping the script. They’re leading with strategy, not speed.
Instead of pushing the next advance, they’re digging deeper:
- What’s your business model look like in the next 6 months?
- How are these stacked payments affecting your operations?
- Are you trying to survive this month or grow this year?
These aren’t closing tactics—they’re credibility builders. And they’re unlocking better conversations, better retention, and better deals.
As Angie Marks, Director of ISO Relations at Nexi, puts it:
“Overpromising is a common mistake. It’s better to be upfront about what merchants can realistically expect. That builds long-term relationships based on trust.”
It’s Time to Stop Selling the Pain and Start Solving It
Merchants don’t need more fast money. They need a plan. A path forward. A partner who gets that high funding doesn’t mean much if your repayments are bleeding the business dry.
The next generation of brokers isn’t stacking. They’re strategizing.
The Smarter Alternative: A Real-World Example
One broker we work with didn’t push another stack on a merchant who was already juggling multiple advances. Instead, they helped them:
- ✅ Pay off their original MCA stress with a structured solution
- ✅ Eliminate two more MCA balances
- ✅ Unlock $420K in renewal funding based on strong repayment behavior
That merchant went from overwhelmed to over $1M in total funding secured, without sacrificing cash flow.
Where Nexi Fits In
We’re not just reacting to the collapse of stacking. We’re helping replace it.
Nexi’s Reverse Consolidation program gives brokers a way to restructure, not just refinance multiple merchant cash advances into a single, manageable weekly purchase.
This strategic solution helps merchants:
✅ Streamline Payments – Streamline multiple MCA payments into one manageable plan, reducing complexity and stress.
✅ Free Up Cash Flow – Unlock working capital for new equipment, expansion, and business needs
✅ Simplify Debt Management – Create a clear, structured path to long-term financial stability
It’s time to stop selling the cycle. Let’s start selling the solution.
Ready to Break the Stack?
👉 Let’s talk.
📞 1-800-499-NEXI (6394)
📅 Book a Call with our ISO Relations team
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