Real Funding Solutions for Business Owners
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DEDICATED LIVE CUSTOMER SUPPORT

We’re here to make growing your business easier.
It’s part of the MintFi commitment to you, the business owner.

U.S.-based
LENDERS

Talk to experts who specialize in supporting business owners like you

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Reach agents easily in the online banking portal and mobile app

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Mailing address:

4577 Nob Hill Road, Suite 201
Sunrise, FL 33351 USA

Call Us Toll-Free (855)333-6468

info@mintfi.us

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FAQs

Top 10 Questions Business Owners Ask MintFi

1. What types of business financing do you offer?
We offer a range of flexible financing options, including business Unsecured Term Loans, Lines of Credit, Bridge Loans, Equipment Financing, and SBA Loans. Each product is designed to meet different business needs—whether for growth, cash flow, or short-term opportunities.
2. How fast can I get funded?
Most of our clients receive funding within 24 to 48 hours after approval, depending on the type and amount of financing. Our streamlined underwriting process allows for same-day approvals in many cases.
3. Do I need perfect credit to qualify?
No. We understand that traditional lenders often overlook great businesses due to credit scores. While credit is a factor, we also consider your revenue, time in business, and cash flow to determine eligibility.
4. What are your minimum requirements to apply?

Generally, you’ll need:

  • Minimum 2 years in business
  • A minimum $50k gross monthly revenue (total monthly deposits)
  • An active business bank account
5. Will applying affect my credit score?
No. Our initial application only requires a soft credit pull, which does not impact your personal or business credit score. A hard inquiry is only done with your permission, typically before final funding.
6. What industries do you work with?

We fund a wide range of industries including construction, healthcare, retail, import / export, manufacturing, restaurants, wholesalers, professional services, and more. If your business generates consistent revenue, chances are we can help.

7. How much can I qualify for?

We offer funding from $50,000 up to $5 million depending on your business’s financial profile and the type of financing you’re seeking. We tailor the amount to your specific needs and repayment capacity.

8. What makes MintFi different from a traditional bank?
Unlike traditional banks, we don’t require extensive paperwork, long wait times, or perfect credit. We focus on speed, flexibility, and personal service—helping you get funded when traditional lenders can’t. Most importantly, we are not conservative with our approval amounts the way traditional banks tend to be.
9. Is there a prepayment penalty?
Most of our financing programs offer early payoff options with either no penalty or reduced cost for early repayment. We’ll walk you through your options so you can choose what’s best for your situation.
10. How do I get started?
Getting started is easy. Just fill out our short online application or give us a call. A dedicated funding advisor will contact you the same day to review your options and guide you through the process—no obligation, no pressure.

Financial & Credit Disclosures

MintFi is committed to transparency, compliance, and responsible lending. Please review the following disclosures, which apply to all applicants and financing products offered through MintFi and its lending partners.

Credit Disclosure & Terms of Use

  • All financing products offered through MintFi are subject to underwriting approval. Submission of an application does not guarantee funding.
  • Rates, terms, and loan amounts are determined based on a variety of factors including (but not limited to) your business’s cash flow, time in business, credit history, industry type, and overall financial profile.
  • Not all applicants will qualify for the lowest advertised rates. Your rate will be based on your creditworthiness, business performance, and loan product selected.
  • All credit decisions are made in compliance with federal, state, and local regulation.
  • Final terms and full cost of capital will be provided in writing before any funds are disbursed.

Equal Credit Opportunity Act (ECOA) Notice

In accordance with the Equal Credit Opportunity Act, MintFi does not discriminate against any applicant on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to contract), or because all or part of the applicant’s income derives from any public assistance program.

Rate and Program Changes

  • All offers, guidelines, programs, and rates are subject to change at any time without prior notice.
  • Pre-qualification or pre-approval does not guarantee final approval or funding.

Use of Personal and Business Credit Information

  • By submitting an application, you consent to MintFi and its financing partners conducting soft credit inquiries as needed to assess your business’s eligibility.
  • Some financing products may include no hard credit pull during pre-qualification, but this may change upon final underwriting review.

State Licensing and Regulatory Information

MintFi works with licensed lenders and financing partners in accordance with applicable laws and regulations. Specific licensing and disclosures will be provided where required under state law.