Modavva Capital helps profitable B2B operators escape stacked merchant cash advances and refinance into structured private revolving lines and asset-based facilities — so cash stays in the business instead of leaving it every morning.
If you run a B2B company doing $1M or more in revenue and took on one — or several — merchant cash advances to bridge a gap, you already know the trap. 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 the MCA balances and UCC filings make traditional lenders flinch. You're stuck paying triple-digit effective rates.
Estimate the monthly cash flow a consolidated, structured facility could put back into your operation. Adjust the inputs to match your situation.
Illustrative estimate only, for discussion purposes — not an offer, commitment, or guarantee of financing or terms. 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. 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.
Revolving and term facilities sized to your borrowing base — accounts receivable, inventory, equipment, and real estate — for operators who need availability that scales with the business rather than a fixed payday loan.
Structured lines from private credit partners for B2B operators who can't yet clear a conventional bank box but have the financials to support a real facility — with draw-and-repay flexibility timed to your receivables, not a funder's calendar.
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.