Daily debits that fit card volume
Small automatic debits track the daily batch — heavy weekends carry light Mondays.
Restaurant Files
Files that move at kitchen speed.
Slow season, broken walk-in, a second location your merchant has to grab — advances built around daily card volume, decided within the hour.
The Squeeze
The calls you get.
- The walk-in dies on a Friday and the weekend is their revenue
- January is brutal and payroll doesn't care
- The space next door opens up — once
- Suppliers want deposits while receivables crawl
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Every one of those is a file we've funded. Send it before the window closes.
FundedDECLINED TWICE ELSEWHERE
Funded amount$85,000
BusinessRestaurant — 2 locations, NJ
Term24 wks
Buy rate1.36
Debit scheduleDaily
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Contract signed✓
FundedHow Mint Funds Restaurants
Underwriting that speaks the trade.
Decisions before dinner service
Send the file in the afternoon lull; your merchant has an answer before the first ticket fires.
Thin-margin friendly
We read seasonality and food-cost swings like operators, not like a scoring model.
Restaurants Questions
Asked by ISOs this week.
My merchant's credit took a hit during a slow year. Dealbreaker?
No. We buy future receivables, so current card volume and deposits matter far more than an old rough patch. Send the file as it is.
Can debits flex with their season?
Debit schedules are fixed by contract, but we size them against the slowest months — not the best — so the slow season is already priced in. Quote it that way.
One hour. Real answer. Your move.
Submit the file now or send the package straight to deals@mintfunding.com.
Prefer to talk it through? Call, text, or WhatsApp 347-797-1800 — a real person picks up.