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

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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.

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2. Bridge loan to takeout‍

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

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3. Revolving working capital line‍

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

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

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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