Mountain Ridge Capital
Mountain Ridge Capital is a U.S. asset-based lender offering revolving credit and term loans (sized $1MM–$30MM+) to lower mid-market businesses across any industry, differentiated by broad collateral acceptance and relationship-driven origination backed by Arena Investors capital.
- Company typePrivate
- Founded2021
- HeadquartersNew York, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Mountain Ridge Capital does
Mountain Ridge Capital is a privately held, asset-based lender that provides revolving credit facilities ($5MM–$30MM+) and term loans ($1MM–$10MM+) to lower mid-market businesses across the United States. The firm is the trade name of ABL Opco LLC, a Delaware LLC headquartered in Frisco, Texas, and operates as a sister entity to Alpine Ridge Funding. Mountain Ridge's core differentiator is a broad collateral framework that accepts both tangible assets (accounts receivable, inventory, equipment, real estate, vehicles) and unconventional collateral (intellectual property, brands, company equity, non-borrower assets), and it claims to advance more against given assets than many competing ABL lenders. Loans are typically three years in duration, do not require bank-like covenant packages or positive cash flow, and are priced transactionally via interest and fees.
The company makes money primarily through interest income and transaction-based fees on originated loans. Its go-to-market is sales-led and relationship-driven: a team of regional Managing Directors and Vice Presidents covers U.S. territories (Rockies/West, Plains/Southwest, Midwest, Northeast), and deal flow is sourced through partnerships with private equity firms, independent sponsors, investment bankers, and advisors. The firm is capitalized by Arena Investors as its core financial partner, with a stated $1 billion available to lend, and added a Wells Fargo Capital Finance financing relationship in April 2024. Leadership is composed of ABL veterans averaging 25+ years of experience who previously structured over $26 billion in cumulative asset-based financing, and the firm has been recognized with four 2024 ABF Journal Dealmaker awards.
Mountain Ridge Capital firmographics
Firmographics- Name
- Mountain Ridge Capital
- Legal name
- ABL Opco LLC
- Website
- https://mountainridgecap.com
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Mountain Ridge Capital is a U.S. asset-based lender offering revolving credit and term loans (sized $1MM–$30MM+) to lower mid-market businesses across any industry, differentiated by broad collateral acceptance and relationship-driven origination backed by Arena Investors capital.
- Ownership category
- akta.pro rank
Mountain Ridge Capital industry classification
Industry- Product category
- Asset-Based Lending
- NAICS
- Credit Intermediation and Related Activities (522)
- SIC
- Miscellaneous Business Credit Institution (6159), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Middle-Market Lending (FSANADAI)
- akta.pro secondary industries
- Private Credit / Direct Lending (FSAAAHAG), Large-Cap / Sponsor Finance Direct Lending (FSANADAJ)
Keywords
Where Mountain Ridge Capital is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Mountain Ridge Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Asset-Based Lending Interest Income: Mountain Ridge Capital generates revenue through interest and fees on asset-based loans including revolving credit facilities and term loans. Loans range from $1 million to $30 million+ with typical 3-year durations. The company considers diverse collateral types (accounts receivable, inventory, equipment, real estate, intellectual property, company equity) enabling higher advance rates than traditional lenders.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Revolving credit facilities ranging from $5 million to $30 million+ |
| Transaction based/ take rate | Multi-year contract | Term loans ranging from $1 million to $10 million+ |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels2 records
Mountain Ridge Capital product offering
Product offeringCore offering
Mountain Ridge Capital provides highly customized asset-based lending solutions to lower mid-market businesses across any industry. Its core offerings consist of revolving credit facilities ($5MM to $30MM+, typically 3-year duration) and term loans ($1MM to $10MM+, typically 3-year duration), secured against a broad universe of collateral including accounts receivable, inventory, equipment, real estate, intellectual property, brands, and company equity. The lender does not require bank-like covenant packages or positive cash flow and serves purposes spanning working capital, growth capital, acquisitions, buyouts, recapitalizations, bridge funding, and turnarounds.
Product overview
Mountain Ridge Capital offers a single unified product line focused on asset-based lending for lower mid-market businesses. The core offering consists of revolving credit facilities ($5MM to $30MM+) and term loans ($1MM to $10MM+) that can be customized for a wide variety of purposes including working capital, growth capital, acquisitions, buyouts, and turnarounds. The company's distinguishing factor is its broad collateral acceptance policy, considering physical assets (accounts receivable, inventory, machinery, equipment, real estate, vehicles, rolling stock), financial assets, and intangible assets (intellectual property such as brands, company equity) — including unconventional collateral types that many other asset-based lenders will not consider.
Differentiator
Problem solved
Functional benefit
Products and services
- Revolving Credit Facility Asset-based revolving credit facility providing liquidity to lower mid-market businesses in any industry. Loan sizes range from $5 million to $30 million+ with typically 3-year duration. Pay-as-you-go billing cadence with bank-like covenants not required.
- Term Loan Asset-based term loan providing liquidity for various business purposes to lower mid-market businesses. Loan sizes range from $1 million to $10 million+ with typically 3-year duration. Multi-year contract billing cadence with flexible collateral requirements including both tangible and intangible assets.
Companies that use Mountain Ridge Capital
Customer profileNamed customers1 record
Segments1 record
Ideal customer profiles1 record
Mountain Ridge Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Mountain Ridge Capital partnerships and signals
Strategic signalScale indicators6 records
Recent moves5 records
Expansion highlights5 records
Mountain Ridge Capital competitors and assessment
Company assessmentDirect peers
- White Oak Global Advisors: A private credit and asset-based lender serving middle-market businesses with structured financing solutions, directly comparable in collateral flexibility and loan sizing.
- Stonegate Capital: A middle-market ABL and special situations lender, with prior team overlap to Mountain Ridge; comparable in deal size, structure, and customer profile.
- SLR Business Credit: A direct asset-based lender focused on middle-market borrowers with revolving credit and term loan products, closely overlapping Mountain Ridge's product set, customer profile, and deal size range.
- eCapital: An asset-based lender offering factoring and asset-based loans to mid-market borrowers, closely matching Mountain Ridge's product and underwriting philosophy.
- NewStar Business Credit (Ares Capital): A middle-market asset-based lender that provides revolver and term loan facilities, comparable to Mountain Ridge's core product suite and target borrower segment.
- Crestmark Bank (Live Oak Bank): A former ABL specialist (Crestmark) now part of Live Oak, providing asset-based lending and factoring to middle-market companies, highly comparable to Mountain Ridge's niche.
Others
- Arena Investors: Mountain Ridge Capital's capitalization partner and parent-affiliate, a merchant capital provider that funds the platform and participates in joint special-situation financings.
- Gordon Brothers: A liquidation and asset valuation firm that frequently partners with ABL lenders; Mountain Ridge team members have prior experience there, making it a relevant ecosystem peer.
Broad incumbents
- Citizens Commercial Banking: A diversified commercial bank with an asset-based lending division serving middle-market companies, representing broader institutional competition for ABL deals.
- Wells Fargo Capital Finance: A large bank-affiliated ABL platform offering revolving credit and term loans to middle-market borrowers, providing broad incumbent competition across Mountain Ridge's territory.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Mountain Ridge Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Mountain Ridge Capital leadership team
Management profileNumber of profiles
Profiles13 records
Mountain Ridge Capital subsidiaries and ownership
Company hierarchySubsidiaries1 record
Mountain Ridge Capital funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Mountain Ridge Capital M&A and investment
M&A and investmentM&A
Investments4 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Mountain Ridge Capital
What does Mountain Ridge Capital do?
Mountain Ridge Capital provides highly customized asset-based lending solutions to lower mid-market businesses across any industry. Its core offerings consist of revolving credit facilities ($5MM to $30MM+, typically 3-year duration) and term loans ($1MM to $10MM+, typically 3-year duration), secured against a broad universe of collateral including accounts receivable, inventory, equipment, real estate, intellectual property, brands, and company equity. The lender does not require bank-like covenant packages or positive cash flow and serves purposes spanning working capital, growth capital, acquisitions, buyouts, recapitalizations, bridge funding, and turnarounds.
Is Mountain Ridge Capital a public or private company?
Mountain Ridge Capital is a private company. It is classified as private equity controlled and is currently operating.
When was Mountain Ridge Capital founded?
Mountain Ridge Capital was founded in 2021. It employs 11 to 50 people.
Where is Mountain Ridge Capital based?
Mountain Ridge Capital is headquartered in New York, United States, in the North America region.
How does Mountain Ridge Capital make money?
One revenue line is on record: asset-Based Lending Interest Income.
Who are Mountain Ridge Capital's main competitors?
Direct peers on record are White Oak Global Advisors, Stonegate Capital, SLR Business Credit, eCapital, NewStar Business Credit (Ares Capital) and Crestmark Bank (Live Oak Bank). Others are Arena Investors and Gordon Brothers. Broad incumbents are Citizens Commercial Banking and Wells Fargo Capital Finance.
Does Mountain Ridge Capital have an API?
No public API is recorded for Mountain Ridge Capital.
What industry is Mountain Ridge Capital in?
Mountain Ridge Capital's product category is Asset-Based Lending. Its primary akta.pro industry code is FSANADAI, Middle-Market Lending, with a secondary code of FSAAAHAG, Private Credit / Direct Lending. Its NAICS code is 522 and its SIC code is 6159.