Mountain Funding offers a broad array of financing alternatives, including Bridge Loans, Joint Venture Equity, Mezzanine Debt, High Leverage First Mortgages, Participating Debt, and Hard Money Loans. The company''s ability to combine two or more of its programs on a single transaction results in simplified one-stop financing. Mountain Funding''s capital structures range from 6 to 60 months in duration. Interest or preferred return will be determined based on the level of risk, and an exit fee and/or profit participation may be required. Non-recourse programs are available. Equity and mezzanine investments range from $3 to $30 million; hard money, bridge loans, and high leverage first mortgages range from $10 to $100 million.

In addition to our lending and equity programs, we also purchase for our own account distressed debt and property related to any of the following: Improved Lot Invetory; Spec Housing Inventory; Fully Entitled Land; Homebuilder or Land Banker Portfolios; Non-Performing Loan Portfolios; Non-Performing Commercial Projects; Fractured Condos; Part or All of Mid Sized Regional Home Building Companies. $10 million and up per asset.  Long term hold anticipated.

Mountain Funding offers hard money loans for deals with "hair" and LTV's ranging from 50%-70% based on as-is cash sale value. Examples include: land loans, very quick closings; distressed debt or partnership buyouts; bankruptcy loans; borrower background issues; etc.

For value-added income properties and condominium conversions with qualified developers, Mountain Funding offers one-stop blended financing. Interest rates will float, and closing and exit fees will range from 2 to 5 points depending on the capital structure (exit fees and/or profit participation may be required dependent on risk analysis). Non-stabilized and rehabilitation situations are acceptable, subject to a realistic exit strategy.

Mountain Funding will fund short-term capital requirements needed to bridge a gap, but only with reasonably assured exit strategies. Examples include: completed condominium inventory loans; tenant improvement loans; pre-sold residential or commercial lots.

Mountain Funding''s Mezzanine Debt program can provide higher leverage than most institutional mezzanine lenders or opportunity funds. The program is available for selected income properties and condominium conversions with qualified developers. Depending on risk analysis, an exit fee or limited profit participation may be required.

For land development or repositioning projects Mountain Funding offers a Participating Debt program whereby the company will lend into the 90's on the capital stack for a profit participation or percentage of sales.

Mountain Funding invests joint venture equity, with qualified residential developers and commercial property owners in transactions where there is a significant opportunity for value and/or cash flow enhancement. After return of equity and minimum preferred return thereon, additional profits will be distributed in accordance with an agreed waterfall structure and developer "promote." Alternatively, where the owner prefers to limit Mountain''s participation in the upside, a Preferred Equity structure can be used whereby Mountain receives a higher preferred return in exchange for a limited profit participation.