A private revolving line lets you draw capital when you need it and repay as your customers pay you — availability timed to your receivables, not a funder’s daily ACH calendar.
For B2B operators who can’t yet clear a conventional bank box but have the financials to support a real facility, a private revolving line replaces the stop-gap cycle of stacking advances. Modavva arranges private revolving lines from $1M to $100M, structured by private credit partners and priced to your business.
How a private revolving line works
You’re approved for a facility limit based on your borrowing base and cash flow. You draw what you need, pay interest on what you draw, and repay as receivables come in — then draw again. Compared with a merchant cash advance, the difference is structural: a line flexes with the business instead of extracting a fixed amount every morning regardless of what you’ve collected.
Why operators move from MCAs to a line
- Availability when you need it — instead of no flexibility once the advance is spent.
- Priced to your collateral — A/R, inventory, equipment — not a flat factor rate.
- Monthly, often interest-only servicing — instead of daily/weekly debits.
- A credit profile that can graduate to a bank — the Bridge-to-Bank path.
Is a line the right structure for you?
If your need is to replace stacked advances, you may want consolidation first, then a line. If your collateral is receivables- and inventory-heavy, an asset-based facility may give you more availability. A Modavva advisor will model the options against your numbers.
Let’s see your real position.
Confidential review, no obligation, typically a same-week first response.
Frequently asked questions
Can I get a line of credit with existing MCA debt?
Often the line is structured as part of getting off the MCA debt. We commonly consolidate or refinance the advances and put a revolving facility in place so the business has flexible availability going forward.
What can I borrow against?
Typically accounts receivable (often up to ~75% of eligible A/R), plus inventory, equipment, and other assets depending on the structure.
Who provides the line?
Private credit partners in our network. Modavva is the advisor and arranger that structures and places it — we’re not the direct lender.