MINT
F500
Fortune 500 receivables streamed from ERPs
36s
Asset verification at machine speed
16%
40-day turns · 9× compounding
$22T
Annual B2B Receivables Volume
$25.8 trillion moves between businesses every year. 86% of it has no institutional access.
86%
$22.3T
Now Unlocked
14%
$3.5T
Previously Accessible
33M
Small Businesses
Frozen Capital
$25T
Receivables
Stuck
$1.6T
Private Credit
Idle
$25 Trillion
Corporate receivables
Stuck in ERP systems
$2T
QuickBooks
SMBs
$2T
NetSuite
Mid-market
$500B
Walmart EDI
100K+ suppliers
$100B
Flexport
Logistics
$1T
Oracle
Enterprise
$15T
SAP
425K enterprises
Our vision is to
Maximize Human Freedom
M. Murphy
Founder & CEO
Ken Hoang
Systems & ML Architect
Secil Baysal
Chief Operating Officer
$20B
Enterprise Value Created
5
Major Exits
$500B
Transaction Volume
85+
Years Combined Experience
Real-time underwriting, risk scoring, and settlement in one pass.
Receivables
Raw Enterprise Invoices
Ingestion
MINT
Validation & Structuring
Issuance
Liquid Capital
Institutional Note
33M Small Businesses
$25T Receivables
$1.6T Private Credit
Invoice Exists
Confirmed in SAP
PO Match
PO-2024-88421
Goods Receipt
GR-445231
Amount Valid
Within tolerance
Retailer Selects
12/18 14:32 ET
Duplicate Check
Unique (SHA-256)
Invoice
INV-2024-78234
Obligor (Retailer)
Target Corp
Credit Rating: A
Supplier
Supplier #4421
Anonymized
| Description | Qty | Amount |
|---|---|---|
| Consumer Electronics | 500 | $22,500.00 |
| Accessories | 200 | $4,950.00 |
Issue Date
Dec 15, 2024
Due Date
Jan 29, 2025
Terms
Net 45
PO Reference
PO-2024-88421
Historical Analysis
5yr relationship
Third-Party Data
D&B verified
KYC/AML
Sanctions clear
Bank Validation
Account verified
Entity Verification
Active, good standing
Underwriting
Approved 85%
Outcome Tracking
Feeds model
13
Verification Checkpoints
100%
Pass Rate Required
AA/A
Obligor Credit Quality
<0.5%
Default Rate
9× Turns
40-day average duration
AA/A Payors
Fortune 500 obligors
16%
Target Gross Yield
<0.5% Loss
Validated history
Same-Day
T+0 settlement
Receivables transformed into funded notes.
WALMART
Payor
CUISINART
Supplier
MINT
Verification · Settlement
INSTITUTIONAL BUYER
Capital
$100,000
Invoice Face
$98,246
Advance
1.75%
Discount
16%
Annualized Return
The supplier, the allocator, the enterprise.
Suppliers
Main Street
U.S. Small Businesses (33M)
Convert approved receivables into instant liquidity ($2T locked).
Allocators
Wall Street
Private Credit Funds, Private Equity
Deploy capital into short-term, payor-backed notes ($1.6T AUM).
Enterprises
Fortune 500
Corporate Payors
Provide verified payment data that anchors supplier receivables via ERP.
Aligned incentives at every step.
Anchor (Retailer)
COGS reduction
Expedite elimination
Supply chain stability
ERP data (read-only)
+$200M/year
Suppliers
Day 1 payment
~2% discount
+45 days cash
Capital
16% yield, AA obligors
Deployment capacity
9 annual turns
MINT Forward Flow Structure
PAYOR
Walmart
Buyer Led
SUPPLIER
Cuisinart
Invoice Data
MINT
Verification · Pricing · Settlement
Payor-Backed Note
WALL ST SPV
Capital Layer
LOCKBOX
Settlement
Anchor-Led with a Proven, Repeatable Go-To-Market
500 to 5,000
Suppliers Per Anchor
< 5 Min
Supplier Onboarding
< 1 Min
Automated Underwriting
60% Faster
Second Anchor Adoption
Five verification layers before capital moves.
ERP Source Authentication
Invoice originates from supplier's authenticated accounting system
Buyer System Confirmation
Invoice approved for payment within payor's system. Deterministic core.
AI-Driven Anomaly Detection
ML flags deviations from historical payment patterns
Duplicate Detection
Cryptographic hashes prevent double financing
Third-Party Data Confirmation
Cross-reference external sources for corporate standing
Yield Mechanism
MINT
MORE OBLIGORS
Anchor Adoption
MORE SUPPLIERS
Network Enrollment
RICHER DATA
Graph Expansion
LOWER COST
Capital Deepening
INSTANT DECISIONS
Underwriting Precision
LOWER LOSSES
Loss Compression
OPERATIONS
OUTCOMES
Q4 2025
Infrastructure
Foundation Layer
Supplier Onboarding
<5 min enrollment
ERP Integration
OAuth read-only
Validation Engine
36-sec decisioning
Settlement
T+0 finality
Completed
Q1 2026
Forward Flow
Capital Partnership
$50M Facility
Commitment
Distribution
Private credit channel
Structured
Institutional grade
Target
Q2 2026
Deployment
Scale Operations
$500M Deployed
Validated volume
9x Turnover
Annualized velocity
6 Obligors
Anchor expansion
Projected
EXECUTION
3
Obligors
×
175
Avg Counterparties
×
$317K
Monthly
×
3
Months
=
$500M
VALIDATED volume
CONTRACT TO CAPITAL | 90 DAYS