Convert invoices into reliable working capital so you can make payroll, buy inventory, and take on larger orders with confidence.

At a Glance

• Facility types: Selective invoice finance, whole-ledger programs, confidential or notice factoring, AR lines of credit with borrowing bases.
• Use of proceeds: Payroll, supplier deposits, freight, inventory, growth initiatives, seasonality.
• Who we serve: Distributors, manufacturers, logistics and transportation, staffing, professional services, B2B SaaS, government contractors.

Solutions That Fit Your Cycle

Strengthen liquidity by advancing against eligible receivables, with availability that refreshes as customers pay. Where shipments require deposits or longer lead times, pair with Purchase Order Financing. If you need a revolving cushion alongside AR funding, compare with Bank Lines of Credit. For broader capex and growth needs, see Loans & Project Financing. For single-invoice or customer-specific needs, consider Invoice Financing.

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Eligibility Snapshot

• US entity selling on net terms to creditworthy B2B or B2G customers
• Verifiable invoices for delivered goods or completed services
• Manageable dilution and dispute history
• Standard insurance and corporate good standing
• Completion of KYC and AML through our secure portal

What You Will Need

• Current AR aging with top customer concentrations and standard terms
• Last 12 months bank statements and recent financials
• Sample invoices with proofs of delivery or service acceptances
• Key customer contracts or MSAs
• Corporate documents and identification for authorized signers

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Process

1. Discovery and Sizing: We analyze your AR aging, concentrations, and payment behavior to size advance rates and facility limits.
2. Market and Terms: We align you with bank and specialty lenders, negotiate pricing, eligibility rules, reserves, and covenants that fit your cash cycle.
3. Underwriting and Approval: We coordinate diligence, lockbox controls, and documentation through our encrypted client portal.
4. Closing and Funding: Upload eligible invoices, receive initial advances, and draw again as customers pay.

Why Mountaintop Capital Partners

• Multi-lender Reach: Bank, ABL, and specialty fund relationships to secure better advance rates and terms.
• Wall Street Expertise: Team trained to model cash cycles, set sensible eligibility rules, and reduce covenant friction.
• Single Point of Contact: One senior advisor manages lender, legal, and treasury workstreams end-to-end.
• Secure by Design: Bank-level encryption, rigorous KYC and AML, and transparent reporting for clean audits.
• Speed and Certainty: Streamlined underwriting and clear checklists that move you from term sheet to funding without surprises.