Mountaintop Capital Partners LLC helps you unlock cash tied up in accounts receivable so you can make payroll, purchase inventory, and take on bigger orders without waiting for slow payers.

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What is Invoice Financing?

Invoice financing provides an advance against your outstanding B2B invoices. Instead of waiting 30 to 90 days for customers to pay, you receive cash up front and repay when invoices are collected. Structures include:

• Selective invoice financing for one-off cash needs
• Whole-ledger facilities sized to ongoing receivables
• Confidential or notice factoring depending on customer communication preferences
• Recourse or non-recourse options based on credit quality and risk appetite

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How it Works?

• Size the facility: We analyze aging schedules, concentration, and customer credit to size an advance rate and limit.
• Paper the program: We finalize eligibility rules, reporting cadence, and a clean collections waterfall with a controlled account.
• Fund against invoices: You upload eligible invoices and receive same-day or next-day advances.
• Settle on collection: Customer payments reduce the balance. Availability refreshes so you can draw again as needed.

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When it Helps

• Bridging long payment terms from national retailers and enterprise buyers
• Covering payroll, freight, and supplier deposits during growth spurts
• Smoothing seasonality without taking on permanent debt
• Reducing reliance on higher-cost short-term products

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For fast rotating needs tied to shipments and supplier deposits, compare Invoice Financing with Purchase Order Financing and Short-Term Loans.

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Typical Parameters

• Advances commonly up to 80 to 90 percent of eligible invoices
• Facility limits scale with receivables volume and concentration limits
• Pricing reflects customer credit strength, dilution history, and reporting
• Monthly availability with clear eligibility tests and reserves

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Final terms are set in underwriting and documentation.

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Eligibility Snapshot

• US business selling on net terms to creditworthy B2B or B2G customers
• Verifiable invoices for delivered goods or completed services
• Reasonable dilution and dispute history
• Clean corporate standing and standard insurance
• KYC and AML completed through our secure portal

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What You Will Need

• AR aging, top customer list, and standard terms
• Last 12 months bank statements and recent financials
• Sample invoices, proofs of delivery, or service acceptances
• Customer contracts or master service agreements where applicable
• Corporate documents and identification for principals

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Why Mountaintop Capital Partners?

• Multi-lender reach across banks, ABLs, and specialty funds to secure better advance rates and pricing
• Wall Street trained team that models cash cycles, sets sensible eligibility rules, and negotiates covenants that fit your business
• Single senior point of contact coordinating lender, legal, and lockbox setup for a clean, on-time close
• Encrypted client portal, rigorous KYC and AML, and transparent reporting