TOP MOUNTAIN
Access to Finance
Top Mountain designs and implements access-to-finance programs that connect businesses with capital for investment and growth. We work with public institutions, development partners and banks to translate program objectives into lending processes, coordinate loan administration, conduct client due diligence and reach eligible businesses through targeted outreach and marketing.
OUR SERVICES
From program design to delivery
Program Design and Implementation
Design and manage financing programs around clear objectives, target businesses and delivery arrangements. Our support covers eligibility and selection frameworks, implementation planning, institutional coordination, performance monitoring and business advisory linked to financing.
Bank Loan Processes
Manage and coordinate loan processes within participating banks, from application intake and document review to assessment workflows, client follow-up and portfolio reporting. We support bank teams with practical procedures and coordination across the lending process.
Client Due Diligence
Assess applicants’ business models, financial performance, cash flow and investment plans. Our work includes document review, business viability assessments and structured analysis to support informed lending decisions and identify areas where enterprises need additional support.
Outreach and Marketing
Develop targeted campaigns that explain financing opportunities, attract eligible businesses and support participation. We combine marketing, stakeholder engagement, information events and applicant guidance to build a suitable pipeline and maintain communication throughout the program.
SELECTED EXPERIENCE
Finance for business expansion

Bloom: Business Finance and Growth
Bloom is a KRG-funded access-to-finance program designed to support SME expansion. Top Mountain screened applicants, assessed business viability, prepared financing cases and advised loan recipients. The program supported 25 businesses with approximately IQD 2.8 billion in loans.
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