Mountaintop Capital Partners LLC structures SBA 7(a) financing for acquisitions, working capital, equipment, and owner-occupied real estate. We run a competitive lender process, align terms to cash flow, and manage underwriting to a clean, on-time close.

At a Glance

• Loan size: up to $5 million with SBA guaranty on a portion of the balance
• Use of proceeds: working capital, equipment, inventory, business acquisition, partner buyout, owner-occupied real estate, eligible refinance
• Terms: up to 10 years for working capital and equipment, up to 25 years for real estate
• Rates: variable or fixed based on Prime plus an SBA-permitted spread
• Fees: SBA guaranty and standard closing costs, disclosed before commitment

Why Choose an SBA 7(a) Loan?

The 7(a) program pairs bank underwriting with an SBA guaranty, which can lower equity requirements and extend terms. That means lower monthly payments, more working capital after closing, and greater certainty for transactions like acquisitions and buyouts. For facility purchases with long amortization and low down payments, also compare SBA CDC/504 Loans and Commercial Real Estate Loans

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Solutions We Arrange

• ‍Working capital and equipment: Finance inventory, payroll, marketing, and machinery with terms sized to cash flow.‍
• Business acquisition and partner buyout: Fund goodwill, assets, and closing costs while preserving liquidity for ramp-up.‍
• Owner-occupied real estate: Purchase or refinance operating locations with up to 25-year amortization.‍
• Debt refinance: Improve cash flow by refinancing eligible high-cost business debt.

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For everyday flexibility, consider a revolving facility under Bank Lines of Credit

Eligibility snapshot

• For-profit US business that meets SBA size standards
• Reasonable owner equity invested and a viable business plan
• Adequate historic or projected cash flow to service debt
• Principals with acceptable credit history and background
• Collateral taken when available. A collateral shortfall may not be disqualifying if cash flow is sufficient
• Certain industries are restricted by SBA rules

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Final approval depends on SBA and lender credit review.

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What you will need

• Organizational documents, EIN, ownership chart, IDs for principals
• 3 years business and personal tax returns if available. Startups provide projections and assumptions
• Year-to-date financials, prior year financials, 6 to 12 months bank statements
• Debt schedule, accounts receivable and payable agings
• Purchase agreement for acquisitions, equipment quotes, or real estate details
• Personal financial statements and resumes of principals
• Business plan with 24-month projections and use of funds

Process

• Discovery and sizing: We confirm objectives, eligible uses, and preliminary sizing against SBA criteria.
• Market and term sheets: We place your package with SBA lending partners and deliver comparable offers.
• Underwriting and approvals: We coordinate diligence, third-party reports, and SBA submission.
• Closing and funding: We align legal, collateral, and escrow so proceeds arrive on schedule.

Why Mountaintop Capital Partners

• Multi-bank SBA access that creates real pricing power and better structures
• Wall Street trained team focused on certainty of execution and clear documentation
• Single senior point of contact coordinating lender, counsel, appraisers, and escrow
• Secure 256-bit encrypted client portal with rigorous KYC and AML