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Architects of Capital
Advocates for Business

Founded by former Merchant Cash Advance lenders, we use our insider knowledge of the industry to navigate the complexities and secure the best possible outcomes for you.

Why Colette Capital

Colette Capital was founded by ex merchant cash advance lenders who understand how high-cost, short-term debt erodes enterprise value. We design private credit solutions that replace high-velocity obligations with sustainable, institutional structures—so you can reinvest in your people, infrastructure, and long-term growth.

Deep expertise in private credit and capital architecture for $10M+ revenue businesses

Focus on eliminating the “liquidity tax” of high-interest and merchant cash advance debt

Structures engineered to improve cash flow resilience and enterprise valuation

Partner-level advisory from initial debt audit through execution and ongoing optimization

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Our Solutions

  • Business Discussion

    Cash Flow Funding

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    Consolidation of MCA

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    Term Loans

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    Lines of Credit

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    Asset-Backed Loans

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    Trade Receivables Finance

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    SPAC Advisory

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    Venture Consulting

Why The Market Is Shifting

Evolving Landscape

Credit and liquidity conditions are undergoing a major structural realignment.

Strategic Oversight

Colette Capital provides the precision needed to navigate these shifting market dynamics.

Capital Optimization

Focus is placed on lower cost credit solutions, reducing the liquidity tax and building resilient structures.

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