4577 Nob Hill Road, Suite 201 Sunrise, FL 33351
Call Now! +1 855-333-MINT

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short-term loan
Read the FAQ below or contact our team for more information.

Who is Mint Financial Group?

Mint Financial Group is a private funding company based out of Sunrise, FL specializing in alternative finance solutions for America’s business owners. Over the past 8 years we have become known for offering the most competitive rates & terms in the market. We are among the few funding companies offering unsecured business loans with fixed monthly payments and terms ranging from 2 to 5 years. Our approach has always been “common-sense” underwriting practices, and maintaining the “human” element throughout the loan process. By combining cutting edge technology with industry-leading risk management models, Mint Financial Group provides small businesses with access to fast and affordable growth capital, without all of the red-tape.

How are you different from a bank?

For small businesses, we know that time is money. Unlike a bank, our application process is quick, easy, and transparent. You can apply for a business loan online in under 5 minutes, and get a decision in as little as 24 hours. We also know that a credit score isn’t the only indicator of healthy business, so we make sure to always look at the entire picture. While the underwriting process at traditional banks is overly stringent and inflexible, we combine technology with seasoned underwriters to better understand your business and find terms that suit your needs. Our goal is to take all aspects of a business into consideration before providing a final decision.

Why should I work with Mint Financial Group and not someone else?

We offer competitive rates and manageable repayment schedules, and we don’t charge hidden fees. We also provide each applicant with a dedicated funding agent to guide you through the entire process. Your assigned funding agent will work closely with you, and provide timely updates every step of the way. We work hard to ensure that the application experience for our clients is as seamless as possible.

What will my rate be?

We are currently offering interest rates on our term loans ranging between 5.99% and 14.99%. This is a true APR loan with a fixed monthly payment over the life of the term.

Are there any other fees or charges?

You deserve to know the true cost of your loan, so we won’t nickel and dime you with every payment. Our fee structure is simple: we charge a one-time origination fee on each loan we fund ranging from 1.99% to 5.99%. Just like your interest rate, your origination fee will be determined during our underwriting process and is based on the strength of your credit profile. The origination fee will always be disclosed to you by your funding agent, and will also be provided to you in writing. There are no upfront costs or fees during our application process.

How much is the application fee?

Mint Financial Group will never, under any circumstances, ask you for an upfront fee in order to apply.

Is there a prepayment penalty?

No, we won’t charge you extra to pay your loan off early. Plus, you only have to pay interest for the time you borrow — so if you pay it off early, you pay less.

Is there a daily repayment?

No, on our Term Loans our payments are due monthly, starting one month from the day your loan funds. We do have other repayment options for business owners whom fail to meet the minimum eligibility requirements on our Term Loans, please contact us to learn more.

What kind of businesses do you help?

We’ve helped thousands of Small Business Owners obtain working capital to assist with all aspects of running and growing their companies. If you have been in business at least two years and have verifiable revenue, we want to hear from you!

What can I use my business loan for?

You can use your loan in a variety of ways to support your business. Popular uses for a term loan include expanding to a new location, purchasing equipment or inventory, and hiring staff. Your loan may not be used for your personal finances, such as refinancing of personal debt. To learn more about acceptable uses of proceeds, please contact us and a friendly funding agent will be happy to assist you.

How long does the loan application take?

Completing our simple online application can take just 5 minutes. After you complete this initial application, you will be contacted by your assigned funding agent to discuss your application in detail and answer any questions you may have. The funding agent will speak with you to determine if you meet the preliminary eligibility requirements. If it is determined that you are eligible, then you will be informed of what supporting documentation will be required to proceed. We’ll help you collect your supporting documents, so we can verify your application. The faster you provide your documentation, the faster we can get you a decision and your loan if approved. With your help, this process can move very quickly — often taking as little as 48 hours for a decision, and as few as 5 days to get your money once approved.

We understand that prior to applying you may have additional questions, and may want further clarification which is why we recommend you contact us to speak with one of our friendly funding agents whom will further assist you! At Mint Financial Group you never have to worry about High-Pressure Sales Tactics, and you will always be treated with the utmost respect.

What does Mint do?

We provide Working Capital for existing business owners across the country.

What are your Initial Requirements?

You must be in business (OPERATIONAL) a minimum of two (2) years, AND your business must have existing cash-flow (SALES).

What amount of sales do I need in order to qualify?

Your business must have a minimum of $250,000 in verifiable Gross Annual Sales.

What if my Personal Credit is Poor?

Not to worry, Mint is able to assist business owners with troubled credit. We have options for FICO scores as low as 580.

What amounts do you lend?

From $20,000 up to $2,000,000

Is the financing secured or unsecured?

We have funding options for both, business owners with Collateral, and for those without. We specialize in Unsecured Funding Options (No Collateral) for businesses with strong cash-flow.

What are the terms of your funding?

We have several options ranging from 6 Month Terms all the way up to 60 Months

How long does it take to get approved?

Typically we are able to render a decision within 24-48 Hours on all applications

If, Approved how long does it take to receive the funds?

Usually, after approval, you will have the funds within 3-5 business days.

Do you charge any up front costs, or have any out of pocket expenses?

No.  On some approvals there may be an origination fee, however this is deducted directly from the loan proceeds.

Are there any types of businesses which you do not lend to?

Yes. We do have some Restricted industries for our Unsecured Working Capital Loans.

– Mortgage Companies
– Real Estate Investors
– Auto Dealers
– Mobile Home Dealers
– Credit Unions
– Credit Repair
– Life Insurance
– Commodities Brokers
– Finance Companies
– Pawn Shops
– Trusts
– Check Cashing
– Real Estate Developers

Which type of business owner would you say is typically a good fit for Mint's services?

We cater mainly to the business owner whom has a time-sensitive need for capital. Usually it is a business owner whom either cannot qualify for traditional bank financing, or in some cases does not have the time to go through all the red-tape from the conventional lenders.

Many of our clients are business owners whom operate healthy, growing, and profitable companies however due to low personal credit or limited financials, are unable to obtain traditional bank financing. Some are business owners that have very strong monthly sales (receivables) however do not have any assets to provide to a bank as collateral.

In Summary Mint Financial Group is a Cash-Flow Based Finance Provider, offering fast funding solutions to America’s Small Business Owners.

Toll-Free: (855) 333-6468