Mountaintop Capital Partners LLC structures institutional leverage on qualified cash deposits for large, time-sensitive initiatives in real estate, infrastructure, acquisitions, and expansion. We manage underwriting, documentation, and funding with strict KYC and AML.

What this Program is

A secured asset management investment program allows qualified clients to place cash on deposit at approved institutions and access credit that is sized to that deposit under a documented, insured structure. Proceeds are applied to defined projects with covenant and reporting discipline. Ownership of the deposit remains with the client; the account is restricted during the facility term per the executed agreements.

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How it Works

1. Initial review and term sheet‍

You submit core underwriting materials and proof of funds. After preliminary diligence, the lender issues an indicative term sheet reflecting facility size, pricing, tenor, and use of proceeds.

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2. Deposit and controls‍

Upon execution, the cash deposit is placed with a top-tier bank inside an AML and OFAC compliant framework. The deposit remains in the client’s name and is bonded or otherwise insured per program requirements. Funds are restricted from withdrawal for the agreed period.

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3. Trading and leverage mechanics‍

The lender’s trading desk may execute permitted capital markets activity within program limits, using market-standard instruments and safeguards. Client principal remains restricted, not moved, and not encumbered beyond the program’s agreed controls. Proceeds finance the loan facility in accordance with the term sheet.

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4. Funding and monitoring‍

Loan proceeds fund as a single draw or scheduled tranches to match project milestones. Ongoing reporting, compliance checks, and covenant monitoring continue through maturity, with a defined takeout or amortization path.

Illustrative Parameters

These ranges are program specific and subject to full underwriting.

• Facility sizing: up to a multiple of the initial deposit, per lender program and risk profile
• Tenor: 1 to 10 years, amortization up to 25 years when applicable
• Pricing: market-based, typically inside mid-single digits for strong profiles
• Recourse: non-recourse or limited recourse by mandate
• Funding cadence: single close or monthly tranches tied to milestones
• Timing: closings generally targeted within a defined 60 to 120 day calendar after complete files

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Eligibility and Uses

• Qualified institutions, developers, family offices, and high-net-worth clients
• Clear, bankable use of proceeds: acquisitions, development, recapitalizations, growth capex
• Documented project plan, credible sources and uses, and exit or takeout strategy
• Clean KYC and AML posture and verifiable proof of funds

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Common Applications

• Large commercial real estate acquisitions and development
• Operating companies expanding into new markets or product lines
• Infrastructure and project finance where equity needs leverage

What You Will Need

• Proof of funds supporting the initial deposit
• KYC package and IDs for authorized signatories
• Corporate formation documents and ownership chart
• Business plan, financial model, and use of funds with milestone schedule
• Board resolution authorizing participation and execution
• Draft drawdown plan aligned to project cash flow
• Completed application and program FAQs initialed and signed

Process Timeline

• Discovery and fit to confirm objectives, governance, and deposit readiness
• Underwriting and issuance of an indicative term sheet
• Execution of agreements, deposit placement, and controls setup
• Funding as a lump sum or in tranches with continuing compliance and reporting
• Servicing and exit via amortization, refinance, or defined takeout

Risk, Compliance, and Transparency

We operate with institutional controls, independent counsel, and bank-level security. All programs are subject to market conditions, counterparty approval, and full documentation. No outcome is promised until closing documents are executed and conditions precedent are satisfied.

Why Mountaintop Capital Partners?

• Access to a curated network of banks, private credit desks, and trading partners
• Wall Street trained team focused on certainty of execution and clean documentation
• Single senior point of contact coordinating lender, counsel, escrow, and reporting
• Encrypted 256-bit client portal, rigorous KYC and AML, and transparent economics