Real Funding Solutions for Business Owners
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Fast-Track Your Access

Thinking About the Next Step?

Your success is our mission. That’s why we provide not just support, but the knowledge and guidance you need to truly thrive.

Access Capital, On Your Terms

When opportunity knocks—whether it’s hiring talent, taking on a new project, or scaling up—you need fast access to capital, not slow approvals and red tape. We make loan decisions within 24 hours, because cash flow shouldn’t hold you back. With us, getting the credit and funding you need is simple, fast, and built around your success.

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“I Want Growth Without the Hassle.”

Term Loan

Up to $2,000,000
Fixed interest rates and customized repayment terms. Fast funding and easy process for major purchases, renovations, expansion,
and acquisitions.

  • Loan amount: Up to $2 Million
  • Term length: Up to 60 months
  • APR as low as 8.5%
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line of credit

Up to $500,000
For working capital to manage cash flow, inventory or other capital expenditures.

  • Credit limit: Up to $500,000
  • Revolving line of credit
  • Variable APR as low as 8.75%
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SBA LOAN OPTIONS

Up to $5,000,000

Click here for more information and to read the MintFi terms and conditions.

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1

SBA 7(a) Loan Program

  • Loans available from $250,000 and up to $5,000,000
  • Fixed rate terms from 10 to 20 year fully amortized
  • Prime Interest Rates Starting at 7.5% (subject to change based on Prime)
  • Can be used to finance working capital, business acquisition, partner buyout, equipment, refinance existing debt and build, improve or purchase owner-occupied commercial real estate
    2

    SBA Express Loan Program

    • Loans available from $125,000 and up to $500,000
    • Fixed rate terms up to 10-years
    • Variable rates available for revolving period options
    • Can be used to finance working capital, inventory, equipment and purchase or refinance of owner-occupied real estate
      3

      SBA 504 Loan Program

      • Loans available from $350,000 to $5,000,000
      • Fixed rate terms up to 25-year fully amortized
      • Low down payment as little as 10%
      • Can be used to finance equipment and build, improve, refinance or purchase owner-occupied commercial real estate

      Which SBA loan is right for me?

      SBA 7(a) Loan Program
      As you look to grow your small business, you may find you need extra financing to cover expenses. An SBA 7(a) Loan can help provide you with financing to manage cash flow, cover the cost of an expansion or new equipment, or refinance high-interest debt. SBA 7(a) Loans can help you purchase assets, including machinery /equipment, and refinance debt. SBA 7(a) Loans are designed to provide long term financing.
      SBA Express
      SBA Express loans have a borrowing limit of $500,000 with a term of 10 years. These loans can be used as a business line of credit or to renovate a property, purchase machinery, or augment working capital. Use an Express business line of credit to grow your inventory; financing is designed to give you more flexible buying power when assets, like inventory, are minimizing liquidity.
      SBA 504 Loan Program
      Whether you’re buying land, a new building or doing construction on your current space, you may be able to use an SBA 504 Loan. The SBA 504 Loan Program is backed by the government and provides the long-term financing needed to purchase or refinance real estate as well as needed machinery and equipment.

      Own It! Rewards

      The MintFi Rewards Program

      •  Monetize Your Network! Receive Compensation for Every Business Owner you Refer to Mint!
      • Turn Referrals into Income – One Client at a Time
      Refer & Earn – Simple, Rewarding, Effective.
      Join Our Team

      HERE’S WHAT YOU’LL NEED TO GET STARTED:

      • Minimum Credit Score: 640
      • Your business must be operating within the U.S.
      • Business Owner must be either a U.S. Resident or U.S. Citizen
      • More than 1 Year in Business
      • Most of our programs require $50,000+ in gross monthly revenue. However, businesses generating at least $25,000 with strong financials may still qualify—speak with an advisor to learn more.

      Did you already start an application? Click here to login and continue your application.

      Apply Now

      Frequently Asked Questions

      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:

      • At least 1 Year in business
      • A minimum of $50,000 in 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.

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