Stop canceling under performing clients. Let us fix their operations so you can keep financing them.
The holidays are over, and the 2026 fiscal year is officially underway. As you review your portfolio and set your targets for the year ahead, you are likely identifying the clients who are already slipping—the ones with high default rates, increasing customer complaints, or shaky P&Ls.
The traditional reaction is simple: cut the cord. If a business isn’t profitable or defaults are rising, you cancel the financing and move on.
But what if you didn’t have to cancel them?
At Mint Group, we are kicking off the year by announcing our Lender Partnership Program. We partner with lenders to remediate underperforming accounts, fixing the operational “cracks” in their business that cause them to default on your loans.
Here is the best part: We do this at no cost to the lender.
The Problem: You’re Looking at Financials, We Look at Operations
When a client defaults on a payment to you, it’s rarely because the business model is broken; it’s usually because their operations are broken.
Lenders typically underwrite based on P&L and profitability. That is like betting on a race car based solely on its horsepower. At Mint Group, we look at the aerodynamics, the tires, and the driver. We find the inefficiencies that are draining the client’s revenue before it ever reaches you.
How We “Fix” Your Portfolio
When you partner with Mint Group, we step in to audit and upgrade your clients’ operations. We don’t just advise; we implement.
1. We Fix the Tech Stack Simple communication gaps cause massive revenue bleeding. We implement automated text message payment reminders and CRM notifications so customers aren’t left in the dark.
- The Result: “Apprehension” drops, and payment success rates skyrocket.
2. We Audit Sales & Chargebacks (The “Johnny vs. Susan” Effect) Your client might think “Johnny” is their best salesperson because he closes 10 deals a month. But if Johnny’s aggressive tactics lead to a 30% default rate and costly chargebacks, he is actually a liability compared to “Susan,” who closes fewer deals but retains them long-term.
- The Result: We retrain sales teams to prioritize retention over volume, ensuring the money they bring in actually stays in the bank.
3. We Clean Up Compliance & Reputation We analyze complaints and chargebacks to stop negative reviews before they happen. Negative reviews don’t just hurt feelings; they increase customer acquisition costs and kill closing rates.
The Bottom Line: Pure Upside for Lenders
We know efficiency isn’t always “sexy,” but it is profitable. By mandating that your high-risk clients work with Mint Group to streamline their operations, you achieve three things immediately:
- Reduced Defaults: We turn “bad” clients into performing assets.
- Zero Cost Implementation: Our revenue model is built on client performance (often through processing splits), meaning the lender does not pay us a retainer.
- Potential New Revenue Streams: In many cases, by optimizing a client’s credit card processing alongside their ACH, we can actually generate a commission back to the lender.
Make 2026 Your Most Profitable Year
Don’t start the new year by shrinking your portfolio. Start by optimizing it.
Before you cancel another client for poor performance, let Mint Group look under the hood. We’ll fix the engine so you can keep the car in the race.