ATTENTION: Business Owners, Entrepreneurs & Investors
Refinance Your MCA Now: Unlock $500K–$5M in Fresh Capital in 10 Days or Less!
Step 1: Fill out the form below to see if you qualify
How Monvar Investments Escaped $85,000 in MCA Debt and Secured a Term Loan + $100K Line of Credit.
Real Client.Real Debt Relief. Real Growth
When Javier Montoya came to us, his company—Monvar Investments LLC, a water purification dealer in Florida—was generating an impressive $100K–$180K per month in revenue.
But behind the scenes, the business was drowning.
Daily MCA withdrawals.
Multiple stacked positions.
Over $85,000 in short-term, high-cost debt.
Cash flow tightening day by day.
Daily MCA withdrawals.
Multiple stacked positions.
Over $85,000 in short-term, high-cost debt.
Cash flow tightening day by day.
Javier didn’t just need funding. He needed a full financial rescue.
The MCA Debt Spiral Was Blocking Real Funding
Even though the business was healthy, Javier faced three major roadblocks:
High-cost MCA payments killing cash flow
Daily ACH withdrawals were draining $25K–$50K from the operating account.
Inquiry-heavy Experian report
Experian—the bureau the bank used—had multiple inquiries not attached to open accounts.
Funding urgency
He needed $120K immediately for expansion, inventory, and marketing…
but his capital structure was working against him.
The Modavva Capital Solution
Javier didn’t need another MCA.
He needed a complete financial restructuring—and that’s what we delivered
STEP 1 — Clean Up the Credit Profile
Our underwriting team identified several Experian inquiries not connected to active accounts.
We removed them to create a lender-ready profile.
Credit After Cleanup:
Experian score improved
Lower inquiry count
Strong utilization
Clear risk profile
This positioned him for real institutional funding, not predatory short-term debt.
STEP 2 — Build a Bank-Ready Underwriting Package
We gathered and organized all financials:
2 years tax returns
P&L
Balance sheet
A/R report
6 months of bank statements
Then we created a professional package that told the real story:
High revenue
Strong daily balances
Professional operations
Temporary cash-flow misalignment
STEP 3 — Replace MCA Debt With a True Business Term Loan
Next, we secured a long-term business term loan that:
Eliminated all MCA debt
Removed daily withdrawals
Reduced total payment obligations
Stabilized cash flow immediately
This restored breathing room so the business could operate normally again.
STEP 4 — Approved a $100,000 Business Line of Credit
With the business stabilized, Javier qualified for a $100,000 revolving LOC, giving him:
Expansion capital
Inventory purchasing power
Marketing budget
Cash-flow stability
Growth runway
He didn’t just escape MCA debt.
He positioned his business for scale.
THE RESULTS
$85,000 in MCA Debt Eliminated
• Replaced with a predictable monthly term loan •
$100,000 Revolving Line of Credit Approved
Funding for expansion,
marketing, and inventory.
Clean, Lender-Ready
Credit Profile
Inquiries removed →
Underwriting success.
Stabilized
Cash Flow
No more daily withdrawals
draining liquidity.
Positioned for
Immediate Growth
Transition from dealer →
distributor now in motion.
In Javier’s Words
"I was making great revenue, but the MCA payments were eating everything. Modavva didn’t just get me funding—they rebuilt my business foundation. This literally saved my company.”
WHO THIS WORKS FOR?
Business owners who
Have a minimum gross monthly revenue of $30K, but weak capital structure
Feel suffocated by MCA payments
Have been declined by banks or lenders
Want to restructure debt into long-term stability
Need working capital to grow
Are ready to break free from the MCA cycle
