680+ Credit & 2+ Years in Business? You're In✅

Escape the MCA Trap — Refinance Into Affordable Bank Terms

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5–7 Year Terms

Rates Starting Under 10% APR

Monthly Payments (Not Daily/Weekly)

MCA Liens Wiped Out

Access exclusive bank relationships and direct support.

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To Work with Daniel Tresham

For me Rodney McGuire was able to research and give us details as to what we we...

Carter Anderson, 1 hour ago

Great Company

I recently had the pleasure of working with Moses McGowan from Modavva Capital Consulting Agen....

Cory Brysch, 3 hour ago

Was great professional experience

I really enjoyed working with Moe, he did everything in his power to get me what i wan...

Jon Sally, 1 hour ago

The Problem

Merchant Cash Advances (MCAs) can feel like quick relief — until the crushing daily and weekly payments eat away at your cash flow. With effective interest rates often between 30%–70% APR, many business owners find themselves stuck, stacking advances just to stay afloat.

The Solution

Pay Off MCA Lenders Directly — The institutional bank buys your MCA debt, so it’s gone for good.
Clean UCC Filings — MCA liens are terminated, replaced with a single first-position filing.
Lower Rates & Longer Terms — Up to 7 years, with monthly payments you can manage.
Cash Flow Relief — More breathing room for payroll, growth, and stability.
Unlike SBA loans — which no longer allow MCA refinancing — our program is backed by institutional banks that are actively buying MCA paper.

Get Started in Minutes

Begin your journey toward business growth with our quick and hassle-free onboarding process.

Rapid Access to Solutions

Once we assess your needs, we deliver actionable strategies to drive your business forward.

Risk-Free Consultation

Exploring our services won’t impact your current operations or financial standing.

Support and Guidance

At Modavva Capital, we provide businesses with:

Straightforward and Transparent Guidance: Simplified consulting services tailored to meet your unique needs.

Comprehensive Resources: Empowering you with the insights and knowledge to fully understand your growth opportunities.

Unwavering Commitment to Ethics: We uphold the highest standards of professionalism and integrity in every interaction.

Support You Can Trust

How We Help You Refinance High Interest Debt

Access to Capital, the Smart Way - Get matched with top-tier lenders using our proven CFA Framework to unlock $50K–$1M in funding — all without taking on high interest debt.

Debt Advisory- We remove outdated or unauthorized inquiries not linked to open accounts using FCRA-compliant methods — helping boost your credit score and improve your approval odds.

Profile Optimization - Through strategic trade-line placement, credit mix analysis, and expert guidance, we shape your credit profile to qualify for higher limits, better terms, and faster approvals.

STILL NOT SURE?

Frequently Asked Questions

How much funding can I really get?

Qualified clients typically receive between $50,000 and $250,000—often within 14 days of completing their audit and funding plan.

What do I need to qualify?

You must have at least 2 years in business, solid revenue, and fair to good personal credit. We'll review everything during your initial consultation.

Is this a loan? Will it affect my credit?

No. Our pre-qualification process is soft pull only and risk-free. We never affect your credit without your consent.

What’s included in the consultation?

A full credit audit, funding blueprint, and actionable strategies based on real underwriting, not guesses.

Do you offer credit repair services?

Yes. We use consumer law and Metro 2 compliance strategies to remove negative items like late payments, collections, charge-offs, and inquiries.

How long does credit repair take?

Every case is different, but clients often start seeing results in 30–45 days. Full resolution depends on your specific credit profile.

What’s the difference between the Gold and Platinum plans?

Gold is our affordable pay-as-you-clean plan. Platinum includes tradelines and advanced support for clients ready to move fast.

Will I have direct support throughout the process?

Absolutely. We provide white-glove communication, 1-on-1 guidance, and full transparency every step of the way.

How fast is the process from start to funding?

Most qualified clients secure funding within 14 business days after completing onboarding and audits.

Why choose Modavva Capital over other agencies?

We don’t deal in fluff. We offer proven results, real banking relationships, and ethical strategies that quickly move serious business owners forward.