Mountaintop Capital Partners LLC connects qualified borrowers to a vetted marketplace of accredited and institutional lenders. We package and present your request so multiple lenders compete to fund working capital, expansions, equipment, and contract needs on clear, bank-style terms.

Deal Snapshot

• Facility types: unsecured and secured term loans, working capital, equipment proceeds
• Typical size: $50,000 to $2,000,000 depending on credit profile and use of funds
• Tenor: 6 to 60 months with level payments; early payoff options available
• Pricing: fixed rates set by market auction and risk tier, no prepayment penalty options
• Timing: indications after document review, closings targeted on a defined calendar

How Marketplace Lending Works

We build a banker-grade package with your financials, projections, and use of proceeds. Your request is placed with a curated network of peer lenders and credit funds. Lenders submit terms. We negotiate structure, covenants, and fees, then coordinate closing and funding through regulated escrow. You make a single monthly payment to the selected lender or platform servicer.

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Where It Fits Best

Peer-to-peer lending is effective when banks are slow or collateral is limited, yet the business has strong revenue trends and clear cash flow. Common cases include inventory builds ahead of seasonal demand, launching a new location, bridging long customer terms, purchasing equipment, and consolidating higher-cost obligations into a predictable schedule.

Eligibility Overview

Lenders assess time in business, revenue consistency, debt coverage, credit history of principals, and the quality of contracts or pipeline. Strong bank statements, clean tax filings, and a focused plan improve pricing. Final terms are always subject to underwriting and credit approval.

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What To Prepare

• Corporate formation documents and IDs, KYC and AML forms
• Last 6 to 12 months of business bank statements and recent financials
• Most recent tax return or management-prepared P&L and balance sheet
• Use-of-funds schedule, basic projections, and key contracts or POs if applicable

Why Mountaintop Capital Partners?

• Multiple lenders competing for your deal creates real pricing power
• Wall Street trained team that negotiates terms, covenants, and fees in your favor
• Single senior point of contact coordinating underwriting, counsel, and funding
• Encrypted client portal, disciplined compliance, and a clean audit trail from start to finish