We consolidate stacked merchant cash advances into a single, lower-cost structured facility so cash stays in your business instead of leaving it every morning.
If your business is making payments to two, three, or more merchant cash advance funders, every morning’s ACH pull is taking working capital before you’ve collected a dollar from your own customers. MCA debt consolidation combines those stacked advances into a single, lower-cost structured facility with one monthly payment.
Modavva Capital arranges MCA consolidation and buyouts for profitable B2B operators doing $1M or more in revenue. We’re a private credit advisor, not another cash-advance shop, and we work for the operator — not a single lender.
What MCA debt consolidation actually does
A real consolidation pays off your existing advances and replaces them with one facility priced to your collateral and cash flow — typically asset-based or a revolving line, often interest-only, on monthly servicing instead of daily debits. You trade a stack of triple-digit-cost advances and multiple UCC liens for a single relationship you can plan around.
The difference between a buyout and a reverse consolidation
This matters, and most operators get burned here. A genuine buyout pays your advances off and closes them. A reverse consolidation does not pay off your MCAs — it deposits money into your account to cover your existing debits, layering new debt on top of old. Some buyout offers are just MCA stacking in disguise. We structure your way out of the position, not deeper into it.
Why operators choose Modavva
- We buy out the stack, not bridge it. Existing advances paid and closed, liens coordinated for payoff.
- Lender-agnostic. We work an established network of private credit, asset-based, and special-situations capital to match the structure to your business.
- Built for the creditworthy-but-cash-strangled. Healthy P&L, but MCA balances and UCC filings make banks flinch.
- The Bridge-to-Bank path. We position the company to graduate toward conventional bank credit.
Who qualifies
B2B operating companies, roughly $1M–$15M in revenue for consolidation, with receivables, inventory, equipment, or other assets a structured facility can be built around — distribution, manufacturing, construction, staffing, logistics, healthcare services, and B2B tech.
Let’s see your real position.
Confidential review, no obligation, typically a same-week first response.
Frequently asked questions
Can you really buy out multiple stacked MCAs?
Yes. Our core practice is consolidating stacked merchant cash advances into a single structured facility, including coordinating the payoff of multiple positions and UCC filings. Actual structures depend on third-party underwriting.
Is this a loan or another cash advance?
Neither from us — Modavva is a financing advisor and arranger, not a direct lender. We structure and place conventional, lower-cost financing through our capital network to replace the advances.
Will consolidating hurt my ability to get a bank loan later?
The opposite is the goal. Our Bridge-to-Bank approach is designed to clean up the position and build a credit profile that can graduate to conventional bank credit.
How fast can this move?
Operators typically get a first response within the same week of a confidential review. Funding timelines depend on the structure and underwriting.