| Takeaway | Key Insight |
|---|---|
| ⚡ Fast Funding Focus | Mint Funding positions itself as a merchant cash advance provider offering potentially same-day funding with short-term repayment periods of roughly 3–12 months. |
| 🤝 ISO-Centered Model | The company primarily works through ISOs and brokers and does not clearly offer a direct application path for small business owners. |
| 📉 Low Qualification Barriers | The minimum requirements are relatively accessible: a 450+ credit score, at least 1 year in business, and $25,000 in monthly revenue. |
| 📄 Limited Transparency | Mint Funding does not publicly disclose funding amounts, factor rates, repayment examples, or detailed information about its company leadership. |
| ⚠️ High MCA Risk | As with all MCAs, funding is expensive, uses factor rates instead of interest, and involves frequent automatic withdrawals from business bank accounts. |
| 🔍 Few Verifiable Reviews | There are no confirmed third-party customer reviews available, making it challenging to assess real-world borrower experiences. |
| 🏦 Better Alternatives Exist | Many lenders and marketplaces allow direct applications, more explicit pricing comparisons, and multiple offers from competing funders. |
| ⭐ UCS Rating | Mint Funding is rated 2.2 out of 5 due to its lack of transparency, limited verification, and absence of direct merchant access. |
Small business owners often face cash flow challenges that traditional banks can’t solve quickly. When timing is critical, many merchants turn to alternative business lending solutions, such as merchant cash advances (MCAs), to access fast funding without stringent credit requirements. While MCAs can address short-term cash flow gaps, they also entail higher costs and risks, making it essential to carefully evaluate each funder.
There are many merchant cash advance companies in the market, and not all operate with the same level of transparency or service. Mint Funding is one such company that business owners and ISOs may encounter when exploring MCA options. Understanding how Mint Funding works, what it offers, and where potential risks exist can help you protect your business finances and make an informed decision.
In this review, we’ll explain what Mint Funding is and how it works to help you decide if it’s right for your needs. Specifically, we’ll answer these questions and more:
Mint Funding is a merchant cash advance company that focuses primarily on ISO partnerships rather than direct-to-merchant funding. The company positions itself as a funding source for brokers and referral partners who sell MCA loans to small businesses in need of working capital.
Mint Funding provides limited public information about its internal team, leadership, or operational systems. The company does not list a physical business address on its site, which can make it challenging for merchants and lenders to verify background details. However, according to its Tracxn profile, Mint Funding was founded in 2024 and is headquartered in New York. This suggests it is a relatively new company in the alternative lending market.
As an ISO-focused MCA provider, Mint Funding appears designed to support intermediaries rather than directly marketing its service to small business owners seeking funding options on their own.
Mint Funding presents itself as a merchant cash advance company that partners with ISOs to deliver short-term business funding solutions. While the site does not list exact funding ranges, rates, or repayment percentages, it indicates that same-day business funding may be available, with terms generally ranging from 3 to 12 months.
The funding process can be broken down into 5 stages: Application, Analysis, Funding, Repayment, and Renewal. Standard requirements for the application include identification, recent bank statements, and information about your company’s cash flow.
Mint Funding lists three primary funding products on its site:
Small Business Cash Advance: A business cash advance provides a lump sum of money in exchange for a portion of future receivables. Repayment is typically made through daily or weekly payments pulled directly from business bank accounts.
Reverse Consolidations: Reverse consolidations restructure existing MCA debt by replacing multiple advances with a single new advance. This approach may temporarily improve cash flow, but it often increases the total dollars repaid.
Consolidation: The company’s consolidation product enables businesses to refinance existing advances into a single payment. While this may simplify repayment, it does not necessarily reduce overall risk or cost for merchants.
Mint Funding lists the following minimum qualifications for its funding programs:
To get started with Mint Funding, you need to provide 3 months of recent bank statements and a completed funding application. After reviewing your file, the funding team will provide options for your funding request.
Mint Funding raises several points that business owners and ISOs should carefully evaluate before moving forward. One primary concern is the lack of verifiable company data available through third-party sources. Outside of its Tracxn listing, Mint Funding is not widely verified on trusted review platforms or industry databases. While the company’s 2024 launch may partially explain this, the lack of independent validation increases risk and underscores the importance of due diligence.
Another challenge is comparison difficulty. Because Mint Funding does not publish pricing, factor rates, repayment examples, or approval criteria beyond minimum qualifications, it is difficult to accurately compare its value to other lenders in the market. Business owners should consider multiple alternatives and compare offers carefully before agreeing to any MCA contract.
There is also potential confusion with other companies in the financial services world. Mint Funding may be mistaken for Mint, the well-known credit and budget-tracking app owned by Intuit, or for Mint Financial Group, a separate, more established business financing company. These entities are not affiliated, and misunderstanding this distinction could lead to inaccurate assumptions about trust and service.
It’s also crucial to understand what merchant cash advances are and how they work. These alternative financing options differ significantly from other business loans and asset-based lending. A merchant cash advance is a sum of money given to a business in exchange for the future receivables of that business over an agreed-upon time period.
Merchant Cash Advances (MCAs) are the most expensive form of financing. Alternative lenders like Mint Funding may use factor rates instead of traditional interest rates. A $1,000,000 advance at a 1.4 factor rate requires $1,400,000 in repayment, usually within a few months.
MCAs can hurt a business more than help, especially if it has low profit margins. Many lenders will not work with a company that has an active MCA because providers pull directly from bank accounts. However, when used responsibly and working with a reputable MCA funder, these solutions can provide much-needed support for short-term cash flow problems.
Finally, Mint Funding appears to be heavily focused on its business funding affiliate program. The site encourages ISOs and business loan brokers to sign up, log data, and submit deals, but it does not offer a clear application path for merchants. This structure limits transparency for business owners who want direct control over their funding process.
Mint Funding does not appear to offer a direct small business loan application. The only visible form on the site is designed for ISOs and brokers interested in partnering with the company. While contact information is provided, it is unclear whether merchants can independently apply without working through a third party.
Many reputable lenders and small business loan marketplaces offer direct application systems that let business owners submit documents, track approval stages, and compare multiple offers.
For example, you can apply for funding through our lending network by following these steps:
Take time to ensure this is the right product for your needs and circumstances. Will you be able to utilize the capital to achieve your goals? Will the repayment structure do more good than harm to your operating capital? Do you know exactly how much funding to request? Answering these questions ahead of time will make the rest of this process much easier.
The application requires the following documents and information:
You can begin the application process by calling us or filling out our one-page online application. Enter the information from the previous section along with your desired funding amount.
After you apply, a representative will contact you to explain the repayment structure, rates, and terms for your available options. This will ensure that there are no surprises or hidden fees during the repayment period.
The process generally takes a few business days. The cash should appear in your checking account in 1-2 business days after approval.
Mint Funding provides minimal public information about its post-funding process, though it suggests that renewal options and early payoff discounts may be available. In general, merchant cash advance repayments involve automatic withdrawals from a business bank account in accordance with agreed-upon payment terms.
Once you accept the advance and its terms, you can receive the funds quickly, often on the same day or within a week of approval. The lender will automatically debit your account with the agreed-upon repayment amount and frequency. If you are halfway through paying off an advance, you may have the opportunity to receive additional capital from the funder.
Mint Funding may appeal to ISOs seeking additional funding sources in the MCA market. Its accessible credit requirements, fast business funding potential, and focus on short-term solutions can help merchants address immediate cash flow challenges. For businesses with limited credit history or those needing quick dollars to invest in inventory or cover payments, the MCA structure can offer short-term relief.
The lack of transparency is a significant disadvantage. Mint Funding does not clearly disclose pricing, repayment examples, approval criteria, or company leadership. This creates challenges for merchants trying to understand risk, total debt, and long-term financial impact. Additionally, MCAs carry high costs and frequent payments that can strain cash flow and limit future lending options.
Pros
Cons
Mint Funding operates a functional website with an SSL certificate, has a LinkedIn profile, and is listed on Tracxn. However, beyond these indicators, there is limited third-party verification available. As a result, its legitimacy cannot be fully confirmed based solely on public data.
At the time of writing, no verifiable customer or merchant reviews are available for Mint Funding. This lack of written feedback makes it difficult to evaluate service quality, approval accuracy, or repayment experiences.
Since the company doesn’t provide a direct application, you won’t know whether you’ve been approved or declined unless you apply through an ISO partner. Fortunately, there are many lenders to consider for your business needs. Most online lenders and marketplaces accept direct applications.
Many funders offer merchant cash advances, which are among the most accessible funding options. In addition, you can likely find several lenders that provide other business loans as well.
Working with a small business loan marketplace like UCS allows you to apply to a network of lenders with a single application and receive multiple offers. You can then get guided support in choosing the best deal for your business.
You may be interested in one of the following small business loans:
Mint Funding is a newer MCA provider that appears to operate primarily through ISO partnerships rather than direct merchant relationships. While it may serve as an option for brokers looking to place deals, the lack of transparency, reviews, and verifiable company information presents a challenge for business owners seeking funding.
Because merchants cannot apply directly and pricing details are not clearly disclosed, many business owners may be better served by exploring alternative lenders or marketplaces that offer more precise terms, more substantial support, and greater control over the funding process. ISOs should also carefully vet Mint Funding before sharing data or signing agreements.
Based on the available information, we rate Mint Funding 2.2 out of 5. Its lack of verifiable information is a major red flag, and we advise you to consider other funding sources.
Disclaimer: The Mint Funding trademark is owned by Mint Funding Inc., and its use herein is for reference purposes only, and it does not indicate sponsorship or endorsement by Mint Funding Inc.
