Affordable SBA microloans via trusted intermediaries for working capital and growth.

What is an SBA Microloan

SBA Microloans are smaller-dollar business loans issued by nonprofit intermediary lenders and supported by the U.S. Small Business Administration. Funds typically cover working capital, inventory, supplies, furniture, fixtures, or light equipment. Intermediaries also provide technical assistance that helps borrowers succeed.

Who It’s For

Startups and established small businesses that need modest capital to launch, stabilize cash flow, or fund early growth. Eligible nonprofit childcare centers may qualify through participating intermediaries.

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What You Can Use It For

Working capital, inventory and supplies, micro-equipment purchases, fixtures, and tenant improvements that help you open, operate, or expand efficiently. Intermediaries may offer business coaching that pairs with funding for stronger outcomes.

What You Cannot Use It For

Refinancing existing long-term debt, purchasing real estate, or speculative uses that fall outside SBA rules. Exact exclusions can vary by intermediary and are confirmed during underwriting. ‍

How Mountaintop Capital Partners Helps

From Wall Street, we package your microloan request to institutional standards, then place it with a fit-for-purpose SBA intermediary. Our team coordinates required documents, anticipates lender questions, and helps you move from inquiry to funding with clarity and pace.

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Eligibility Snapshot

• U.S. small business or eligible nonprofit childcare center
• Purpose aligned to allowable uses, clear ability to repay
• Basic formation documents, licenses, and KYC
• Collateral and personal guarantee may be required by the intermediary

What To Prepare

Business plan or use-of-funds memo, last 2 years of personal and business tax returns where applicable, recent bank statements, basic financials, copy of government ID, organizational documents, key licenses, and landlord consent if improvements are planned.

Our Process

• Discovery: Brief consult to confirm fit and funding need.
• Structuring: We right-size amount and term, then outline a clean file.
• Packaging: Credit memo, financial pack, and narrative prepared to lender standard.
• Placement: Submission to aligned SBA intermediary with active file management.
• Decision: Conditions cleared and closing coordinated, followed by technical assistance referrals where available.

Why Mountaintop Capital Partners

• Institutional packaging that speaks banker, investor, and regulator
• Intermediary matching to lenders that actively fund your profile and sector
• Wall Street discipline on credit story, ratios, and documentation
• Faster file movement through proactive condition clearing
• Post-funding guidance to help you use capital efficiently