Our mission is to be a tool for good — to prevent the financial and emotional stress of debt so that entrepreneurs can live healthier, happier lives.

Mint loans are business loans with none of those hidden fees or lengthy applications to fill out. Upon your approval, the funds you need are deposited as soon as the next business day — so you can invest in your business immediately to increase inventory, purchase equipment, hire employees, and more. All loans are issued by Mint Financial Services, Inc.

We created Mint to be a tool for good — to prevent and alleviate the financial and emotional stress of debt so that entrepreneurs, like you, can live healthier, happier lives.

We designed our pay-over-time schedule around you, to allow you to unlock opportunities and grow your business, and included safeguards that protect you from the dangers of getting in over your head.  

So why don’t other business lenders do this do this? Ugh, don’t get us started.

The word “mint” has two distinct meanings in English. The first, derived from Greek through Latin mentha, is the small aromatic plant that also gives us our words for sweet treats — peppermints, spearmints, etc.  

The second word comes from the Latin moneta, which is the source of the English word money, as well as the place where our coins are produced or “minted.”  

This meaning of mint is where the expression 'in mint condition' comes from, meaning something in perfect condition. Something that is great, fantastic, brilliant…fresh! 

With this definition in mind, Mint Credit aims to make your business credit mint — as in, “My business credit is mint! I can’t believe the sweet deal I scored on this new restaurant lease!”

Mint Credit helps small businesses grow by providing quick access to funds in a way that’s painless and easy to understand. 

Small independent businesses have historically faced towering hurdles when trying to get capital, often forced to spend months filling out massive amounts of paperwork and navigating complicated application processes only to have to wait even longer to get access to their capital — if they get approved at all. 

Mint Credit is new school. No paperwork. No interest. No hidden fees. And, businesses get their money as soon as the next business day. 

Businesses automatically pay Mint as a set percentage of their weekly sales. This way, they pay more when sales are strong, and less when things slow down. This means less stress for you.

Mint creates unique offers for businesses with the expectation that sellers will complete their advance in approximately 12 to 18 months, although there is no set time frame. The cost to the seller never changes, regardless of how long it takes to pay Mint. 

Do old school banks do this? (Ha, that’s a good one!)

Repayment of your loan with Mint is easy and convenient. We automatically apply a portion of your business’s weekly sales for the purpose of loan repayment. Your repayment rate will always remain the same, and the amount you pay each week is tied directly to your weekly sales — you’ll pay more when business is strong, and less if things slow down. 

Here’s an example:
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• Mint loan amount: $10,000
• Fixed loan fee: $1,400
• Total loan repayment due: $11,400
• Percentage of weekly sales that go towards loan repayment: 14%
• Minimum amount due every 60 days for 18 months: $633.33  

You’re required to pay at least 1/18th of your initial loan balance every 60 days so that you make consistent repayment progress. The repayment rate will continue to be applied to your weekly sales, even when the minimum payment is met.

Also, your full loan balance must be repaid in full within 18 months of the origination date. If the loan hasn’t been repaid in full at the end of 18 months, the remaining loan balance will be due in full. Then — voilà— you’re done!

To take advantage of all Mint Credit has to offer, first you need to sign up and connect your business bank accounts and credit cards via our secure linking provider, Plaid, as well as your accounting software (e.g., Xero, FreshBooks, Quickbooks, or other accounting software providers). 

Mint Credit automatically analyzes your financial information and provides you with an overall business credit rating based on your unique data, and offers you insights to help you understand what it all means. 

For eligible Mint users, based on your Mint Credit Rating, we offer business loans to help you grow your business. You can check your business’s eligibility by going to the Loans tab of your Mint Dashboard and keeping an eye on your email inbox. 

If you don’t see an offer, you aren’t currently eligible for a loan, but we are always reviewing accounts for eligibility. 

It’s important to remember — your Mint credit profile is only as good as the data you provide. So the more data you make available for our review, the more accurate your Mint Credit Rating, and the more likely you are to become eligible for a Mint Credit offer.  

Eligibility is based on a variety of factors related to your business, including its sales volume, bank account history, cash flow, and a host of others. 

Stay focused on growing a great business, and keep improving your credit with helpful tips from Mint. Be sure to check out the Mint Dashboard for more information about your eligibility status.   

There’s no need to contact us or request an eligibility review. The review is automatic, and we will let you know through your Mint Dashboard and by email if you are eligible for an offer — saving you time so you can focus on your business. (We are unable to manually generate or predict offers and all businesses must qualify based on eligibility criteria.)