Mountaintop Capital Partners LLC arranges bank and non-bank financing tailored to new businesses. We package SBA startup loans, working capital lines, equipment financing, and contract-driven solutions like purchase order and invoice financing. One application, multiple lenders, a clear path to funding.

Solutions Aligned to How Startups Grow

Early-stage companies need flexible capital, not one-size forms. We line up SBA options for longer terms and lower payments, secure lines of credit for recurring working capital, place equipment loans that match asset life, and combine purchase order funding with invoice financing so supplier payments and customer receipts stay in sync. Where founders have eligible retirement savings, our team can coordinate a rollover for business startups in compliance with tax rules.

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Use Cases We Support

Launch or expansion of retail, e-commerce, healthcare, professional services, light manufacturing, and franchise operations. Common scenarios include funding a buildout, staffing ahead of revenue, purchasing equipment, bridging long customer terms, and ramping inventory for seasonal demand or new contracts.

Eligibility Snapshot

Startups and young businesses are considered if owners have relevant experience, equity invested, and a viable plan. Lenders review credit history, collateral where available, projected cash flows, and customer quality for contract-based facilities. SBA programs typically require a down payment and personal guarantees. Final terms are subject to underwriting and credit approval.

What You Will Need

Corporate formation documents and IDs, business plan with 24-month projections, recent bank statements, personal financial statement for principals, lease or location details if applicable, quotes for equipment, signed purchase orders or contracts for PO or invoice financing, and a simple use-of-funds schedule.

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Process

• Discovery and sizing to align the facility with your launch plan and timeline
• Market and terms across targeted lenders for comparable term sheets
• Diligence and approvals including appraisals or third-party reports if required
• Closing and funding with transparent fees, covenants, and draw schedule

Why Mountaintop Capital Partners?

• Multi-bank access that creates pricing power and better structures for new businesses
• Wall Street trained team focused on certainty of execution and clean documentation
• Single senior point of contact coordinating bank, counsel, and closing
• Encrypted portal, rigorous KYC and AML, full fee transparency