Mountaintop Capital Partners LLC arranges flexible financing so nonprofits can fund programs, bridge grants, and invest in facilities without disrupting services. We source terms from banks, CDFIs, mission lenders, and private credit, then manage underwriting to a clean, on-time close.

At a Glance

• Facilities: working capital lines, grant and contract bridge loans, term loans, equipment financing, receivables financing for government or fee-for-service, real estate loans, tax-exempt bond advisory via conduit issuers
• Best for: US-based 501(c)(3) and select 501(c) organizations in good standing
• Use of proceeds: payroll and operations, program expansion, facility acquisition or rehab, equipment, technology

Solutions That Fit How Nonprofits Operate

Your revenue comes from grants, pledges, contracts, and earned income with timing you do not fully control. We structure working capital lines secured by eligible receivables or pledges, bridge loans to reimbursable grants and government contracts, equipment loans and leases that match asset life, and real estate financing for clinics, classrooms, housing, and offices. When scale warrants, we help evaluate tax-exempt bonds issued through a conduit authority. Our role is to align leverage and covenants to your cash cycle so you can deliver on mission.

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Use Cases We Fund

• Bridge a reimbursable city, state, or federal contract until draws are released
• Smooth cash flow between grant installments or seasonal donations
• Open a new site, add beds, expand classrooms, or launch a mobile program
• Finance vehicles, medical devices, kitchen equipment, or IT upgrades
• Acquire or renovate facilities to reduce lease risk and stabilize costs

Eligibility Snapshot

• Nonprofit entity in good standing with IRS determination letter
• Board governance and management with relevant experience
• Predictable revenue from contracts, grants, or fees with documented history
• Audited or reviewed financials preferred, strong internal reporting required
• Collateral and DSCR requirements vary by facility and lender

Note: Most SBA programs are limited to for-profit businesses. We focus on banks, CDFIs, mission lenders, private credit, and tax-exempt debt options suitable for nonprofits.

What You Will Need

• IRS determination letter, bylaws, and board resolution authorizing borrowing
• 2–3 years audited or reviewed financials, current interim statements, annual budget
• A/R aging, grant and contract award letters, pledge schedules, and restrictions detail
• Lease or property information for real estate requests, equipment quotes if applicable
• KYC and AML documentation for officers and authorized signers

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Process

1. Discovery and sizing to match facility type, tenor, and covenants to cash flow
2. Market and term sheets from targeted banks, CDFIs, and mission lenders
3. Diligence and approvals including third-party reports where required
4. Closing and funding with transparent fees and a clear draw or repayment plan

Why Mountaintop Capital Partners?

• Multi-lender access across banks, CDFIs, foundations, and private credit
• Wall Street trained team that negotiates pricing, covenants, and security to fit mission delivery
• Single senior point of contact coordinating lender, counsel, auditors, and board approvals
• 256-bit encrypted portal, strict KYC and AML, and a clean audit trail from mandate to funding