Short-Term Loans

Mountaintop Capital Partners LLC arranges short-dated financing for immediate needs and time-sensitive opportunities. We align terms to your cash cycle, coordinate underwriting, and move your request from sizing to funding on a defined calendar.

At a Glance

  • Facility types: short-term term loans, bridge loans, revolving working capital lines
  • Typical size: $50,000 to $5,000,000, larger by mandate
  • Term: 3 to 18 months with interest-only or amortizing options
  • Use of proceeds: inventory buys, payroll, deposits, marketing, tax and vendor catch-up, project kickoffs
  • Speed: indications after document review and closings targeted on a set timeline

Where Short-Term Capital Fits

When a supplier offers a discount, a contract requires a deposit, or sales dip before a seasonal uptick, short-term financing fills the gap without tying up long-term capacity. Many clients pair a quick bridge with a future refinance into lower-cost facilities like Bank Lines of Credit or Online Term Loans. For receivables-heavy businesses, compare Accounts Receivable Financing and Invoice Financing.

Programs We Arrange

1. Short-term term loan

Fixed payment schedule, clear maturity, and no revolving mechanics. Useful for defined projects and one-time obligations.

2. Bridge loan to takeout

Interim funding ahead of an expected refinance, asset sale, or seasonal cash inflow.

3. Revolving working capital line

Draw and repay as needed within a committed limit. Pairs well with inventory and receivables cycles.

If you are managing stacked daily debits from merchant advances, explore MCA Relief Loans.

Eligibility Snapshot

  • US business with at least 6 to 12 months of operating history or experienced principals
  • Consistent deposits and a credible plan for repayment, refinance, or takeout
  • Basic corporate and financial documentation in good order
  • Collateral requirements vary by lender and facility type
  • Final approval subject to credit review and standard diligence

What You Will Need

  • Articles and bylaws or operating agreement, 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
  • For lines, recent AR and AP agings, major customer list, and inventory summary
  • KYC and AML documentation

Process

  • Discovery and sizing based on timing, cash flow, and exit strategy
  • Market and term sheets from targeted banks and private credit providers
  • Diligence and approvals including third-party items where required
  • Closing and funding with transparent fees and a clear reporting cadence

Why Mountaintop Capital Partners?

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

Types of Business Loans

Why Choose Us?

At Mountaintop Capital Partners, we structure and place institutional capital, monetize bank instruments, and manage cash-based private placements with Wall Street discipline and service.
1. Institutional Access, Proven Execution
Direct relationships with Tier-1 banks, funds, and trading desks. We negotiate competitive terms and close with certainty.
2. Speed With Custom Structuring
24-hour indications, clear closing calendars, and solutions tailored to your deal, from project loans to SBLC/BG monetization and PPP.
3. Compliance First, Client Focused
Bank-level security, rigorous KYC and AML, and a single senior contact from term sheet to post-close support.

Fast Capital, Smart Strategy

Connect with our Wall Street experts to open a flexible credit line in 24 hours