Mountaintop Capital Partners LLC arranges business term loans with clear amortization, competitive pricing, and a digital workflow from term sheet to close. We align structure to your cash cycle so you can fund inventory, payroll, marketing, and projects without tying up your revolver.

At a Glance

• Facility type: amortizing business term loan with fixed or variable rate
• Typical size: $50,000 to $2,000,000, larger by mandate
• Tenor: 12 to 60 months with monthly payments
• Use of proceeds: working capital, equipment buys, buildouts, refinancing eligible obligations, acquisitions
• Speed: indications after document review and a defined calendar to close

How an Online Term Loan Works

You borrow a set amount and repay it over a defined schedule. Payments are predictable, which makes budgeting straightforward. For one time needs like renovations, inventory buys, or a marketing push, fixed term financing can be more efficient than drawing and repaying a line. If your need is ongoing and seasonal, compare a revolving facility like Bank Lines of Credit. For urgent, short duration gaps, see Short-Term Loans. If receivables are the bottleneck, consider Accounts Receivable Financing.

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When to Choose an Online Term Loan

• You want predictable monthly payments and a fixed payoff date
• The use of funds is discrete, like a buildout or equipment purchase
• You plan to refinance higher cost debt into a single, lower cost obligation
• You prefer a non revolving structure that simplifies cash forecasting

Eligibility Snapshot

• US entity with at least 12 months operating history, or experienced principals
• Consistent deposits and a credible plan for repayment
• Reasonable leverage and satisfactory credit profile
• Collateral needs depend on loan size and lender program
• Final approval subject to underwriting, diligence, and legal documentation

What You Will Need

• Corporate documents, EIN, ownership chart, IDs for principals
• Year to date financials, prior year statements, and 6 to 12 months bank statements
• Current debt schedule and a simple use of funds plan
• If equipment is included, vendor quotes and serial numbers
• KYC and AML documentation

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Process

• Discovery and sizing to confirm amount, tenor, and use of proceeds
• Market and term sheets sourced from banks and private credit programs
• Diligence and approvals including third party items where required
• Closing and funding with transparent fees and a clear repayment calendar

Why Mountaintop Capital Partners?

• Multi lender access for better pricing, covenants, and tenor
• Wall Street trained team focused on certainty of execution and clean documentation
• Single senior point of contact coordinating lender, counsel, and escrow
• Encrypted client portal, rigorous KYC and AML, transparent economics from start to finish