Our balance sheet
The money that funds the advance is ours. No waiting on a third party to “release” anything.
Why Direct Matters
Every middleman costs you the deal.
Mint funds from its own balance sheet. Here's what that changes about your paper, your merchant, and your Monday.
Side by Side
One file, two very different outcomes.
Your file, shopped around
- DAY 1 — Your package lands in a super-broker's inbox…
- DAY 2 — …then gets blasted to five funders, statements attached.
- DAY 3 — Three decline. Two send different stip lists. Your merchant starts getting cold calls.
- DAY 5 — An offer appears — with two middlemen's margins baked in.
- DAY 8 — Contracts “in processing.” Your merchant funded elsewhere. Nobody owes you a dime.
The same file at Mint
- MIN 0 — File lands with our underwriters. One set of hands.
- HOUR 1 — An underwriter calls you with a real answer.
- HOUR 2 — Offer in writing: amount, term, buy rate, debits.
- HOUR 3 — Your merchant signs from their phone.
- SAME DAY — Wire sent. FUNDED. Commission on Monday's run.
Direct, Defined
Four things only the actual funder can promise.
Our underwriters
The person deciding your file works for Mint and answers our phone. Ask them anything — they wrote the offer.
Our contracts
Signed with us, serviced by us. Terms can't mutate as paper passes between companies.
Our eyes only
Your merchant's statements are underwriting material, not marketing inventory. One team sees them, and they stay here.
File Shopping
The industry's dirtiest habit — and why we can't do it.
When your file gets shopped, every funder on the list now has your merchant's name, revenue, and phone number — and no reason to pay you. Mint is the end of the line by design: we're the funder, so there is no list, no “partner network,” and no version of your deal that funds without you attached. Renewals from your book are credited to you, every cycle, and the whole arrangement is in the partnership terms — in writing.
Come straight to the source.
One hour to a real answer. Same-day wires. No chain.
Prefer to talk it through? Call, text, or WhatsApp 347-797-1800 — a real person picks up.