Mountaintop Capital Partners LLC arranges short-term, collateral-driven financing for acquisitions, rehab, and bridge needs. We leverage a competitive lender network to deliver reliable terms and on-time closings for investors and developers.

At a Glance

• Use cases: fix and flip, bridge to sale, bridge to agency or bank takeout, rehab and value-add
• Typical size: $500,000 to $100,000,000+
• Tenor: 6 to 36 months with interest-only payments; extension options available
• Advance: up to 70 to 80% of purchase price or as-is value; rehab budgets up to 100% by draw
• Speed: indications after document review and closings targeted on a defined calendar

Where Hard Money Fits

Hard money is purpose-built for timelines that traditional credit cannot meet. It works when a property needs renovation, leases are in flux, financials are incomplete, or sellers require fast certainty. Investors use it to win competitive bids, complete capex, stabilize cash flow, and refinance into lower-cost permanent debt once the business plan is executed. For the eventual takeout, compare Commercial Real Estate Loans. To view broader options, see Loans and Project Financing

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Programs We Arrange

• ‍Fix and Flip: Acquisition plus rehab with draw schedules tied to milestones. Interest-only during the project and flexible exits at sale or refinance.
• ‍Bridge to Rent: Acquisition and renovation for single assets or portfolios, moving to DSCR, bank, or agency debt once stabilized.
• ‍Value-Add Commercial: Short-term bridge for multifamily, industrial, retail, office, or mixed-use where capex and leasing drive NOI growth.

Terms and Pricing

• Rate: market-based, fixed for the term with points at closing
• Leverage: purchase up to 70 to 80 percent LTV; total LTC sized to experience and plan
• Rehab: funded by reimbursable draws against an approved budget
• Fees: underwriting, legal, appraisal, and third-party reports disclosed up front
• Prepay: step-down or minimum interest provisions negotiated case by case

Eligibility Snapshot

• Active or experienced sponsor with verifiable track record or strong GC and project team
• Clean entity structure and documented sources of equity
• Viable scope, timeline, and exit plan
• Properties in urban and suburban markets; special-use by case
• Final terms subject to underwriting, appraisal, title, environmental, and credit approval

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What You Will Need

Purchase contract, rehab budget with timeline, entity documents and IDs, recent bank statements, prior project examples, rent roll and T-12 if applicable, broker opinions or comparable sales, and third-party reports as requested.

Process

• Sizing and strategy aligned to purchase, scope, and exit
• Competitive term sheets from targeted private lenders and debt funds
• Diligence and approvals including appraisal, title, environmental, and construction review
• Closing and funding with clear draw administration and reporting

Why Mountaintop Capital Partners?

• Real pricing power from a multi-lender market process
• Wall Street trained team focused on certainty of execution and clean documentation
• Single senior contact coordinating lender, counsel, title, and inspections
• Secure 256-bit encrypted portal, full KYC and AML, transparent economics