Charter Capital Factoring Company, Houston, TEXAS
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Factoring Company Insights and News

Remote Work Productivity: The Ultimate Guide for Employers

Remote Work Productivity: The Ultimate Guide for Employers

Explore the upsides and downsides of remote working for employers and employees, and get strategies to keep productivity high in this detailed guide.

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Business Expansion Timing: How to Know When to Grow

Business Expansion Timing: How to Know When to Grow

Getting business expansion timing right can be tricky. Explore signs the time is right, red flags to address first, and tips for a smooth expansion here.

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Our 7 Favorite Things About Factoring

Our 7 Favorite Things About Factoring

From instant payouts to greater efficiency, explore our seven favorite things about factoring here and discover how it can help you grow a stronger business.

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11 Common Startup Mistakes First-Time Founders Make

11 Common Startup Mistakes First-Time Founders Make

Avoid the most common startup mistakes. Explore the issues first-time founders face and get practical solutions for early-stage challenges here.

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12 Ways Small Businesses Can Leverage AI in Business Growth

12 Ways Small Businesses Can Leverage AI in Business Growth

Integrating artificial intelligence (AI) in business growth initiatives is easier than you might think. Learn how companies are boosting success with AI here.

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4 Key Areas Your Resilient Business Model Must Address

4 Key Areas Your Resilient Business Model Must Address

A resilient business model can help you handle market fluctuations and unforeseen challenges. Learn how to develop one here.

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3 Keys to Succeeding in Business: Operations, Relations & Finance

3 Keys to Succeeding in Business

Explore the keys to succeeding in business: efficient operations, building customer relationships, and sound financial management, and get tips for each here.

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Financial Forecasting: Why it’s Important for Your Business

Financial Forecasting: Why it’s Important for Your Business

Financial forecasting is essential to the long-term health of your business. Learn the fundamentals of effective financial forecasting here.

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9 Things That Might be Stalling Your Business Growth

9 Things That Might be Stalling Your Business Growth

Stuck in a growth rut? Learn nine things that may be stalling your business growth, how to combat them, and signs that your growth has stalled here.

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Why Loan Stacking is Business Suicide & What to Do Instead

Why Loan Stacking is Business Suicide & What to Do Instead

Learn about the risks of loan stacking, why it’s dangerous for businesses, and discover safer alternatives for your funding needs here.

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  • Latest Insights And News

    • Top 7 Things Business Owners Should Have, But Often Don’t January 5, 2026
    • New Regulations in Texas Aimed at MCA Lenders Set National Precedent January 2, 2026
    • Generational Diversity in the Workplace: How to Understand and Manage Your Workforce December 18, 2025
    • 11 Cash Flow KPIs Every Small Business Should Track December 8, 2025
    • Charter Capital Awarded CFL License; Expands into California December 2, 2025
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  • Contents

    • What is Loan Stacking and How Does it Happen?
    • Risks of Loan Stacking: Why Multiple Business Loans May Lead to Trouble
    • Multiple Loans Increase Your Risk of Default
    • Loan Stacking May Violate Your Original Loan Agreement
    • Your Credit Score Will Take a Hit
    • Additional Loans Will Have Higher Interest Rates
    • Traditional Business Loan Example        
    • Stacking Business Loans Example
    • Loan 1
    • Loan 2
    • Loans 1 and 2 Combined
    • Traditional Loan vs. Stacked Loans
    • You Can Get Trapped in a Negative Cycle of Debt
    • Alternatives to Loan Stacking for Small Business Owners
    • Ask Your Current Lender for Help
    • Explore Refinancing Options
    • Avoid Loan Stacking with Invoice Factoring
    • Request a Complimentary Factoring Rate Quote from Charter Capital
How Do factoring Companies Work?
  • For more information, contact:

    6750 West Loop South,
    Suite 1010, Houston,
    TX 77401

    P: 1-877-960-1818
    E: clientsupport@charcap.com

    Charter Capital

    © Copyright Charter Capital Holdings LP

    All California loans made or arranged pursuant to a California Financing Law license – license number 60DBO-193594

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