Direct means decisions
We're the funder, not another middleman. Underwriting, contracts, and wires all move on our clock — so your deal never waits in someone else's queue.
The Direct MCA Funder for ISOs
Your hardest files. Our favorite yes.
Real answers in one hour. Up to $3M. Any position under 35% leverage. All 50 states.
File in at 1:00 PM → real answer by
1:45 PM
Your merchant stays your merchant — in writing.
ApprovedDEAL #4417
Funded amount$150,000.00
Term36 weeks
Buy rate1.30
Debit scheduleWeekly
✓
Received✓
Approved3
Contract sent4
Contract signed5
Funded$
Wire sent — same day$150,000.00
$3MMax per deal
1 hrAvg decision
1.30Buy rates from
50States funded
FUNDED$250,000Construction · 32 wks · 1.37 buy rateFUNDED$85,000Restaurant · 24 wks · 1.36 buy rateFUNDED$120,000Trucking · 28 wks · 1.38 buy rateFUNDED$300,000Medical · 40 wks · 1.32 buy rateFUNDED$95,000HVAC · 26 wks · 1.38 buy rateFUNDED$60,000Beauty / Salon · 20 wks · 1.36 buy rateFUNDED$175,000Supermarket · 30 wks · 1.35 buy rateFUNDED$450,000Staffing · 36 wks · 1.33 buy rateFUNDED$140,000Plumbing · 28 wks · 1.35 buy rateFUNDED$1,200,000Technology · 52 wks · 1.30 buy rateFUNDED$250,000Construction · 32 wks · 1.37 buy rateFUNDED$85,000Restaurant · 24 wks · 1.36 buy rateFUNDED$120,000Trucking · 28 wks · 1.38 buy rateFUNDED$300,000Medical · 40 wks · 1.32 buy rateFUNDED$95,000HVAC · 26 wks · 1.38 buy rateFUNDED$60,000Beauty / Salon · 20 wks · 1.36 buy rateFUNDED$175,000Supermarket · 30 wks · 1.35 buy rateFUNDED$450,000Staffing · 36 wks · 1.33 buy rateFUNDED$140,000Plumbing · 28 wks · 1.35 buy rateFUNDED$1,200,000Technology · 52 wks · 1.30 buy rate
FUNDED$60,000Beauty / Salon · 20 wks · 1.36 buy rateFUNDED$175,000Supermarket · 30 wks · 1.35 buy rateFUNDED$450,000Staffing · 36 wks · 1.33 buy rateFUNDED$140,000Plumbing · 28 wks · 1.35 buy rateFUNDED$1,200,000Technology · 52 wks · 1.30 buy rateFUNDED$250,000Construction · 32 wks · 1.37 buy rateFUNDED$85,000Restaurant · 24 wks · 1.36 buy rateFUNDED$120,000Trucking · 28 wks · 1.38 buy rateFUNDED$300,000Medical · 40 wks · 1.32 buy rateFUNDED$95,000HVAC · 26 wks · 1.38 buy rateFUNDED$60,000Beauty / Salon · 20 wks · 1.36 buy rateFUNDED$175,000Supermarket · 30 wks · 1.35 buy rateFUNDED$450,000Staffing · 36 wks · 1.33 buy rateFUNDED$140,000Plumbing · 28 wks · 1.35 buy rateFUNDED$1,200,000Technology · 52 wks · 1.30 buy rateFUNDED$250,000Construction · 32 wks · 1.37 buy rateFUNDED$85,000Restaurant · 24 wks · 1.36 buy rateFUNDED$120,000Trucking · 28 wks · 1.38 buy rateFUNDED$300,000Medical · 40 wks · 1.32 buy rateFUNDED$95,000HVAC · 26 wks · 1.38 buy rate
Why Mint
We say yes when other funders say no.
Mint funds from its own balance sheet. No committee somewhere else, no file shopped to five inboxes — just underwriters who pick up the phone and treat your paper like the asset it is.
One hour, not one week
Send a clean package — signed one-page application plus four months of bank statements — and you get a real answer in about an hour.
Your merchant stays yours
There's no funder list to shop your file to and no reason to poach your book. We put it in writing.
The Process
Package to wire, in five steps.
The same status bar we use on every deal. You always know exactly where your file stands — and so does your merchant.
✓
Received✓
Approved✓
Contract sent✓
Contract signed✓
Funded1 — Send the package
Signed one-page application, four most recent bank statements, and an honest position rundown. That's the whole ask.
2 — Real answer in an hour
A human underwriter reads it and calls you back with a yes, a no, or exactly what's missing — within the hour on clean packages.
3 — Same-day wire
Your merchant signs, the wire goes out the same day, and your commission is on Monday's run. FUNDED! is our favorite word.
Recently Funded
Real deals. Real wires.
A sample of ISO files funded across the country — including plenty other funders passed on.
Funded2nd position
$250,000
Construction — GC, Texas
FundedDeclined twice elsewhere
$85,000
Restaurant — 2 locations
FundedApproved in 38 min
$300,000
Medical — imaging group
Your Paper, Two Ways
What happens after you hit send.
Every middleman between your merchant and the money costs a day, a margin, and a piece of your control. At Mint there's nobody in between.
- Our underwriters make the call — in-house, same building
- One-hour decisions on clean packages
- One stip list, up front — no drip-feed
- Contracts out to your merchant same day as the yes
- Wire lands the day they sign
- Commissions on Monday's run, like clockwork
- A committee somewhere else decides
- Days of back-and-forth before an answer
- New stips appear every morning
- Contracts “in processing” while the deal cools
- Your merchant cold-called by strangers
- Commission math that never matches yours
Two Ways In
Send one file. Or move the book.
Same team, same speed, same straight answers — start where it makes sense.
First File
See how a direct funder answers.
No volume minimums, no onboarding maze. Send one deal — even the one everybody bounced — and watch it move. Your first submission gets a dedicated ISO rep.
Submit a Deal →
Moving Your Book
Make Mint your first call.
A dedicated rep with a cell number, commissions every Monday, renewals credited to you, and paper that never gets shopped. Let's talk about what you're writing.
Become a Partner →Industries
If your merchant earns revenue, we'll look at it.
We fund almost every industry. Here are the ones we see most.
Restaurant→Construction→HVAC→Trucking→Medical→
Beauty & Salon
Plumbing
Supermarket
Technology
Staffing
Injury Attorney
Auto Repair
Towing
Landscaping
Roofing
Electrical
Trust & Compliance
Plain terms. In writing. Every time.
A purchase, not debt
An advance is a purchase of future receivables at a set buy rate. Every figure — amount, term, debits — is in the contract before your merchant signs.
Your paper stays here
Statements you send are underwriting material, not marketing inventory. One team sees the file, and it stays here.
A real ISO rep
One name, one cell number, one person who knows your book. Call, text, or WhatsApp 347-797-1800 — deals move on your schedule.
🤝
Fast answers, either way. If it's a no, we tell you why right away — and if there's more to the story, call us. Context can turn a no into a yes.
Quick Answers
Asked every day at Mint.
How fast will my file actually move?
Clean packages — a signed one-page application plus the four most recent bank statements — get a real decision in about an hour. Once your merchant signs, the wire goes out the same day.
Will my merchant stay mine?
Yes — and we put it in writing. We're the funder, so there's no funder list to shop your file to. We contact your merchant only to move the deal you submitted, and renewals from your book are credited to you.
What positions do you take?
Any position, as long as total leverage stays under 35%. Our sweet spot: 2nd, 3rd, and 4th positions on good, clean merchants with good pay history.
When do commissions pay?
Every Monday, like clockwork. Your ISO rep walks you through the schedule at onboarding; we don't publish figures publicly.
Send the one they bounced.
One email starts the clock.
File in at 1:00 PM → real answer by
1:45 PM
Prefer to talk it through? Call, text, or WhatsApp 347-797-1800 — a real person picks up.