Modavva Capital helps profitable B2B operators escape stacked merchant cash advances and refinance into structured private revolving lines and asset-based facilities — capital priced to your receivables that fills the cash-flow gap instead of draining it every morning.
We work with B2B operators carrying $1M or more in outstanding receivables. You don't have a profitability problem — you have a timing problem. You delivered the work; the cash is locked in unpaid invoices for 30, 60, even 90 days. Too often the stopgap was a merchant cash advance. Modavva exists for the operator who is creditworthy but cash-strangled.
Fixed ACH pulls hit before you've collected a dollar from your own customers. Working capital evaporates before it can work.
One advance became three. Each refinance bought a few weeks and added another lien, another factor rate, another payment.
Your P&L is healthy, but you're asset-light — no inventory, no heavy equipment — so traditional lenders flinch even though your receivables are real.
A merchant cash advance takes cash before your customers pay you. A structured revolving line does the opposite: it advances against what you're owed, so capital is there exactly when the gap opens — and gone when it closes.
You've delivered the work, but the cash is locked in invoices for two-plus months while payroll is due now. A line turns receivables into liquidity today — instead of an MCA pulling cash before customers even pay.
No warehouse, no fleet — banks hesitate. Asset-based lending advances against the asset you do have: your accounts receivable. That's the collateral conventional underwriting overlooks.
Your borrowing base grows as you bill more — more receivables means more availability, automatically. Win a bigger client and the line expands with the contract, not the other way around.
In services, labor is the product. A line guarantees you can cover payroll and subcontractors on schedule no matter when clients pay — protecting the team that actually generates the revenue.
A revolver lets you draw when you need cash and repay as invoices clear. No fixed daily MCA debit, no idle lump-sum term loan — interest only on the balance you're actually using.
The most painful "no" is turning down a large client because you can't float the ramp-up. A line funds the runway so you can take on work 2–3x your normal size with confidence.
Project-based revenue arrives in waves. The line fills the troughs and pays down on the peaks — so a slow quarter doesn't force layoffs, missed obligations, or another advance.
Asset-based facilities are typically governed by minimal covenants — often a single fixed-charge test — versus the restrictive maintenance covenants on cash-flow debt that can trip a default over one soft quarter.
A private partner moves faster than a bank and underwrites the story — recent growth, a high-quality customer concentration, a turnaround in motion — not just a rigid credit box that rejects good operators.
Consolidate stacked advances into one structured facility and solve the timing problem with debt you reuse — not by selling shares or feeding triple-digit factor rates. You keep 100% of the upside.
Your receivables set a borrowing base. The line advances cash into your operating account. As customers pay, collections land in a controlled lockbox and sweep to pay down the line — restoring availability to draw again. Press play, or step through it.
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Illustrative mechanics only — figures and advance rates are examples for explanation, not an offer or a guarantee of terms. Actual structures, advance rates, and account controls vary by lender and underwriting.
Estimate the monthly cash flow a consolidated, structured facility could put back into your operation. Adjust the inputs to match your situation.
MCA cost is modeled from your stated daily payment over ~21.7 business days/month. The structured figure assumes an interest-only revolving line at the rate shown; actual structures may amortize. Real terms depend on underwriting and the lender.
Illustrative estimate only, for discussion purposes — not an offer, commitment, or guarantee of financing or terms. Modavva Capital is a financing advisor and arranger, not a direct lender.
We don't just refinance the balance. We restructure the position — consolidating stacked advances into a single asset-based or revolving facility priced to your collateral, then positioning the company to graduate toward conventional bank credit.
Lender-agnostic by design. We work an established network of private credit, asset-based, and special-situations capital to structure what actually fits the company.
Our core practice. We consolidate stacked merchant cash advances into conventional, lower-cost structured financing with longer terms and breathing room — the Bridge-to-Bank path that gets daily debits off your account.
One facility — two names for the same thing. A revolving (or term) line sized to your borrowing base: accounts receivable, inventory, equipment, and real estate. Draw and repay with availability that scales as you bill, timed to your receivables instead of a funder's daily calendar — with interest-only options and a path to graduate toward conventional bank credit.
As a correspondent partner we also source bridge lending, DIP financing, and distressed loan acquisitions for time-sensitive and complex situations — backed by senior structuring experience and a discreet, partner-led process.
Through our network of capital providers, we can place a broader set of financing for the right situations. An advisor will walk you through the options that make sense for your business.
A two-minute self-check on where your business stands across the four things lenders look at before structuring an asset-based facility. No credit pull — just an honest read and a clear next step.
We're sector-flexible, but our work centers on operating companies that sell to other businesses and carry the kind of receivables and assets a structured facility can be built around.
Receivables-heavy operators bridging buy/sell cycles.
Equipment and inventory-backed working capital.
Progress billings and contract receivables.
Payroll-cycle gaps against B2B invoices.
Freight receivables and fleet assets.
Insurer and B2B receivable timing.
Contracted recurring revenue facilities.
If you sell B2B and carry assets, let's talk.
Tell us where things stand. A Modavva advisor will review your situation confidentially and come back with whether — and how — we can restructure it. No cost to get reviewed.
Thanks — your details are in. A Modavva advisor will follow up, typically within the same week. Prefer to reach us directly? Email Funding@modavvacapital.com.