Replace a high-cost merchant cash advance with structured financing — a lower effective rate, a longer runway, and monthly servicing instead of daily ACH pulls.
Refinancing a merchant cash advance means replacing it with new financing on better terms. For a B2B operator paying triple-digit effective annualized costs on an advance, refinancing into a structured facility can put hundreds of thousands of dollars a year back into the business.
Modavva Capital arranges MCA refinancing for profitable companies doing $1M+ in revenue. We’re lender-agnostic advisors who structure the refinance around your collateral and cash flow.
Refinance vs. consolidate — which do you need?
If you have one advance to replace with cheaper capital, that’s a refinance. If you have several stacked advances to combine into one facility, that’s consolidation. Many operators need a blend, and a Modavva advisor will model both against your numbers.
What a refinance can change
| Before — the MCA | After — a structured refinance |
|---|---|
| Fixed daily / weekly ACH debits | Monthly servicing, often interest-only |
| Triple-digit effective annualized cost | Priced to your A/R, inventory, and collateral |
| Cash timed to the funder’s calendar | Availability timed to your receivables |
| Multiple UCC liens | One facility, one relationship |
How we approach it
We start with a confidential review of your real position — balances, daily payments, receivables, and assets. Then we work our network of private credit and asset-based lenders to structure a refinance that fits, coordinate payoff of the existing advance, and set the company up for the Bridge-to-Bank graduation toward conventional credit.
Let’s see your real position.
Confidential review, no obligation, typically a same-week first response.
Frequently asked questions
Can I refinance an MCA if banks already turned me down?
Often, yes. Operators with healthy financials are frequently locked out of banks purely because of MCA balances and UCC filings. Private credit and asset-based structures are built for exactly that gap.
Will refinancing lower my payments?
The goal is to move you from daily/weekly debits to monthly servicing priced to your collateral, which for most operators meaningfully reduces the cash leaving the business. Actual terms depend on underwriting.
Do you charge to review my situation?
No. The confidential review is free. Advisory fees and engagement terms are set out in a written agreement only if we move forward.