We re-position stacked advances and short-term debt into a single structured facility priced to your collateral — relief without another predatory advance.
When merchant cash advances and short-term debt are pulling more out of the business each day than it can absorb, restructuring renegotiates and re-positions those obligations into something the company can actually carry. It’s not a new predatory advance and it’s not credit repair — it’s converting a daily-extraction stack into a single structured facility.
Modavva Capital restructures the position, not just the balance. We consolidate stacked advances, coordinate lien payoffs, and re-price the debt to your A/R, inventory, and equipment — then position the company to graduate toward conventional bank credit.
Restructuring vs. consolidation vs. refinance
- Restructuring re-positions the whole debt picture for relief when cash flow is under strain — the broadest of the three.
- Consolidation combines multiple stacked advances into one facility.
- Refinance swaps an advance for lower-cost capital.
What restructuring with Modavva looks like
- Confidential review of your real position — no credit pull to get started.
- Cash-flow modeling to see what a structured, consolidated facility frees up monthly.
- Structure and placement through our lender-agnostic network of private credit and asset-based capital.
- Bridge-to-Bank positioning so the company can graduate to conventional credit over time.
Let’s see your real position.
Confidential review, no obligation, typically a same-week first response.
Frequently asked questions
Is debt restructuring the same as debt settlement or bankruptcy?
No. We’re not a settlement firm or a law firm. We restructure the debt into a new, lower-cost financing structure through our capital network so the business can keep operating and move toward bank credit.
Will this require new collateral or great credit?
We structure to the assets and cash flow you already have — receivables, inventory, equipment. The whole point is serving operators who are creditworthy on fundamentals but locked out by MCA balances.
What size businesses do you restructure?
B2B operating companies generally doing $1M+ in revenue, with facilities arranged from $1M to $100M depending on the structure.