What Mint Financial Group does

Mint Financial Group Corp is a private, family-owned capital advisory firm founded in 2010 and headquartered at 4577 Nob Hill Rd, Ste 201, Sunrise, Florida. The company structures and originates capital products for U.S. businesses generating $1M to $20M+ in annual revenue, with primary verticals in construction and specialty trades, logistics and transportation, and manufacturing, plus distribution and service businesses. Its portfolio comprises three core products: Structured Term Loans ($100K-$2M+, 6-60 months, 5.99%-14.99% APR), Business Lines of Credit ($100K-$750K+, revolving), and Strategic Financing ($2M-$5M+ with 7-10 year terms for acquisitions and recapitalization). The firm reports arranging over $750M+ in capital for 2,000+ nationwide clients with a 98% client retention rate, and holds a BBB A+ accreditation.

Underwriting is positioned as 'common-sense' — combining human evaluation of cash flow strength, operational consistency, and forward outlook with technology-enabled risk assessment, rather than relying on credit scores or automated algorithms. The technology stack includes an online Pre-Qualification Tool (no hard credit check, 30-second assessment), a Capital Impact Calculator for payment and revenue projections, a Client Portal for account management (app.mfgapp.net), and a Partner CRM Dashboard for broker and CPA referral partners. The firm explicitly emphasizes senior-advisor involvement (notably Senior Advisor Felipe Catano) for strategic financing deals, contrasting its model against transactional, automated lenders.

Mint's revenue model is multi-stream: recurring interest income on outstanding loans, one-time origination fees (1.99%-5.99% deducted from loan proceeds at closing), and institutional advisory and residual fees paid to broker and CPA referral partners. Distribution is hybrid — direct advisory sales by senior advisors for larger strategic facilities, an inside sales team guiding applicants through online pre-qualification and application, and an exclusive broker/CPA channel with a partner portal and residual commission architecture on facility renewals. Marketing channels include content (blog authored by Felipe Catano), email newsletter, SEO/organic, partner referral, and direct consultation.

Name

Mint Financial Group

Legal name

Mint Financial Group Corp

Website

https://mintfinancialgroup.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

1–10 employees

Short description

Mint Financial Group Corp is a private, family-owned capital advisory firm founded in 2010 that structures term loans, lines of credit, and strategic financing for U.S. businesses generating $1M-$20M+ in revenue, primarily in construction, logistics, manufacturing, distribution, and service sectors.

Ownership category

akta.pro rank

Headquarters

HQ city

Sunrise

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Supply Chain, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Interest Income: Revenue generated from interest charged on structured term loans, business lines of credit, and strategic financing facilities. Interest rates range from 5.99% to 14.99% APR on term loans. Monthly payment structure aligned with business cycles.
2. Origination Fees: One-time origination fees charged at loan closing, ranging from 1.99% to 5.99% of loan amount. Fee determined during underwriting based on credit profile strength. Deducted directly from loan proceeds.
3. Partner/Referral Fees: Institutional advisory fees paid to broker and CPA partners for referred clients. Residual architecture available on facility renewals creating passive revenue streams for partners.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Mint Financial Group structures and originates business capital solutions for established U.S. companies generating $1M+ in annual revenue. Its product portfolio consists of Structured Term Loans ($100K–$2M+), Business Lines of Credit ($100K–$750K+), and Strategic Financing facilities ($2M–$5M+ over 7–10 years), delivered through an advisory-led model that tailors repayment structures to each borrower's cash flow and operational cycles.

Product overview

Mint Financial Group offers a portfolio of three core structured capital products: Structured Term Loans ($100K–$2M+), Business Lines of Credit ($100K–$750K+), and Strategic Financing ($2M–$5M+). These are complemented by self-service tools including a Pre-Qualification Tool for eligibility assessment and a Capital Impact Calculator for scenario planning. The company also operates a Partner Portal for broker and CPA referral partners and a Client Portal for account management. All products are positioned as advisory-driven alternatives to traditional bank financing for established businesses.

Differentiator

Problem solved

Functional benefit

Products and services

• Structured Term Loans

Quantifiable outcome

• 98% client retention and renewal rate through advisory-based term structuring approach
• +3 more outcomes

Named customers5 records

Segments6 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Two partnerships are on record, tiered core.

• Broker PartnerscoreChannel Partner/ Reseller/ DistributorExclusive network of broker partners who refer clients seeking capital. Partners receive institutional advisory fees, residual architecture on facility renewals, and access to dedicated partner portal for tracking deal status. Partners include commercial brokers, business loan brokers, and financial advisors.
• CPA PartnerscoreChannel Partner/ Reseller/ DistributorCPA partners who refer business clients needing capital structuring services. Partners earn advisory fees on referred deals with ongoing residual income opportunities on client renewals. Integrated into partner portal for seamless deal management.

Scale indicators5 records

Recent moves1 record

Expansion highlights6 records

Direct peers

• Kapitus: Alternative SMB lender providing working capital lines, term loans, and factoring, targeting similar revenue-tier businesses with non-traditional underwriting approaches.
• National Funding: Direct competitor offering term loans, lines of credit, and equipment financing to small and mid-sized U.S. businesses, with a similar focus on industries underserved by banks.
• Credibly: Alternative SMB working-capital and term-loan provider targeting similar revenue-sized businesses with faster decisions and structured financing products analogous to Mint's offerings.
• Forward Financing: Direct competitor providing revenue-based financing and working capital lines to small businesses, with a comparable focus on speed and flexibility over traditional bank underwriting.
• Fundbox: Tech-enabled SMB working capital provider offering lines of credit and term loans to small businesses, competing with Mint for the same underserved middle-market segment.
• BlueVine: Online lender offering business lines of credit, term loans, and invoice factoring to SMBs, directly overlapping Mint's product set with a more technology-led delivery model.
• Lendio: SMB loan marketplace aggregating multiple capital sources; competes with Mint's partner/referral model and serves a similar SMB borrower profile.
• Headway Capital: Revenue-based SMB working capital provider with a similar focus on established small businesses needing flexible, non-bank financing structures.
• Balboa Capital: Direct competitor providing small-business financing including term loans, lines of credit, and equipment financing, with comparable target customers and product structure.

Broad incumbents

• OnDeck (Enova): Established online SMB lender (now part of Enova) offering term loans and lines of credit to small businesses at scale; broader product portfolio and larger balance sheet than Mint but same core customer profile.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/MintFinancialG
• LinkedInlinkedin.com/company/mint-financial-group

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Mint Financial Group