Jump on inventory
A supplier deal that expires Friday, a season to stock for — capital while the price is right.
Your Merchants
Your merchant stays your merchant.
The question every ISO should ask a funder: what happens to my book after I send the file? Here's Mint's answer, in writing.
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
The Guarantee
What we will — and won't — do with your book.
- Contact your merchant only to move the deal you submitted
- Credit every renewal from your book to you
- Copy you on every status change, offer, and contract
- White-glove the funding call — your merchant hears your name
- Keep statements with one team: ours
- Market to merchants you brought us
- Shop your paper to other funders
- Renew your merchant behind your back
- Hand your file to a “partner network”
- Publish or share your commission schedule
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File shopping is the industry's dirtiest habit. We're direct — there's no funder list to shop to and no reason to poach. It's in the partnership terms, in writing.
Position the Deal
The calls your merchants make.
Every one of these is a file Mint funds weekly — use them to place the advance where it makes sense.
Fix or replace equipment
The oven, the lift, the truck — when the machine that makes the money stops, funding can't take a month.
Make payroll, keep crews
Bridge a slow month or a late receivable without losing the team that keeps the business running.
Expand while it's hot
Second location, buildout, a contract bigger than cash on hand. Growth rarely waits.
Buy out a position
Replace an expensive open position with one cleaner schedule the merchant can actually plan around.
Absorb the surprise
Storm damage, a tax bill, a repair — the hit nobody budgeted for doesn't have to stall the business.
What Gets to Yes
If the revenue is real, we're interested.
No perfect-credit fairy tale. Here's what actually matters when your file lands at Mint.
We look at
- 6+ months in business
- $30K+ in monthly revenue
- Business bank account in the company name
- Consistent deposits — the trend matters more than one bad week
- Total leverage within 35% — any position number
Declined elsewhere? Send it here.
Bruised credit, an open position or two, an industry other funders call “too messy” — that's most of what we fund. We buy future receivables, so the health of the revenue outweighs the history on a credit report.
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Our sweet spot: 2nd, 3rd, and 4th positions on merchants with good pay history — and we read any stack under 35% leverage.
Test us with one file.
Send it now — and watch how a direct funder treats your book.
Prefer to talk it through? Call, text, or WhatsApp 347-797-1800 — a real person picks up.