Mercury is a Finance company. Mercury is a financial technology company that provides online business banking services, offering powerful banking and finance essentials, including FDIC-insured bank accounts, online ACH, wires, and checks, corporate debit and credit cards, and more. Mercury offers 12 products: Personal Banking, Working Capital Loans, API, Expense Management, Venture Debt, Accounting Automations, SAFEs (Simple Agreements for Future Equity), Invoicing, Mercury Treasury, Business Banking (Checking & Savings), Business Credit Cards, Bill Pay.
Mercury is a fintech company that provides online business banking services designed to simplify financial operations for startups and businesses.
Mercury is a financial technology company that provides online business banking services, offering powerful banking and finance essentials, including FDIC-insured bank accounts, online ACH, wires, and checks, corporate debit and credit cards, and more.
"Powerful banking. Simplified finances."
Mercury is a Finance company serving global markets. Mercury is a financial technology company that provides online business banking services, offering powerful banking and finance essentials, including FDIC-insured bank accounts, online ACH, wires, and checks, corporate debit and credit cards, and more.
Niche
Finance
12 products and services
Mercury Personal is a subscription-based personal banking solution offering high-yield savings, up to $5M FDIC insurance, no-fee domestic and international...Mercury Personal is a subscription-based personal banking solution offering high-yield savings, up to $5M FDIC insurance, no-fee domestic and international wires, joint accounts, investment options, and advanced user permissions, all for $240/year. Mercury is a fintech company; banking services are provided through partner banks.
Mercury Working Capital Loans are designed for ecommerce businesses to boost inventory, advertising, and other business needs with transparent, flat-fee...Mercury Working Capital Loans are designed for ecommerce businesses to boost inventory, advertising, and other business needs with transparent, flat-fee pricing and fixed weekly repayments. The loans are tailored for established ecommerce brands seeking short-term financing to bridge cash flow gaps, with a focus on simplicity, speed, and partnership.
Every Mercury account comes with read and write API access, enabling users to automate their financial workflows and integrate their...Every Mercury account comes with read and write API access, enabling users to automate their financial workflows and integrate their banking data and actions programmatically.
Mercury's Expense Management solution enables businesses to manage employee expenses efficiently by combining corporate cards and reimbursements in one platform....Mercury's Expense Management solution enables businesses to manage employee expenses efficiently by combining corporate cards and reimbursements in one platform. It offers granular spend controls, privacy for account information, seamless accounting integrations, and a fast, intuitive setup.
Mercury Venture Debt is a financing solution designed for high-growth, VC-backed startups to extend their runway with minimal equity dilution....Mercury Venture Debt is a financing solution designed for high-growth, VC-backed startups to extend their runway with minimal equity dilution. The offering features a modern, tech-enabled application process, competitive terms, and dedicated advisory support, all managed through a single dashboard.
Mercury's AI-powered accounting automations help businesses save hours every month by automating bills, transactions, expenses, and payments. The solution integrates...Mercury's AI-powered accounting automations help businesses save hours every month by automating bills, transactions, expenses, and payments. The solution integrates with leading accounting software and streamlines financial workflows for accuracy and efficiency.
SAFEs (Simple Agreements for Future Equity) - a product offered by MercurySAFEs (Simple Agreements for Future Equity) - a product offered by Mercury
Mercury Invoicing lets you send professional invoices, track what you’re owed, and get paid the way you want — all...Mercury Invoicing lets you send professional invoices, track what you’re owed, and get paid the way you want — all from where you manage your banking. It enables seamless invoice creation, payment collection, and tracking, integrated directly with your Mercury business account.
Mercury Treasury is a strategic cash management solution for businesses, offering high-liquidity, lower-risk investment portfolios powered by J.P. Morgan Asset...Mercury Treasury is a strategic cash management solution for businesses, offering high-liquidity, lower-risk investment portfolios powered by J.P. Morgan Asset Management and Morgan Stanley. It is designed to help businesses earn up to 3.94% yield on idle cash while maintaining access to funds and minimizing risk. Mercury Treasury is available exclusively to Mercury account holders who meet eligibility requirements.
Mercury offers business banking with free checking and savings accounts, virtual cards, and a suite of financial tools designed for...Mercury offers business banking with free checking and savings accounts, virtual cards, and a suite of financial tools designed for startups and growing companies. Banking services are provided through FDIC-insured partner banks, with up to $5M in FDIC insurance via sweep networks. The platform emphasizes automation, seamless payments, transparent pricing, and advanced controls for team and spend management.
Mercury's business credit card, IO, offers unlimited 1.5% cashback, helps build business credit, and provides scalable spending power and expense...Mercury's business credit card, IO, offers unlimited 1.5% cashback, helps build business credit, and provides scalable spending power and expense management tools for startups and growing businesses. The card is available exclusively to Mercury account holders and is designed to scale with your business needs.
Mercury Bill Pay is an automated accounts payable solution built into Mercury business and personal accounts, enabling companies to manage,...Mercury Bill Pay is an automated accounts payable solution built into Mercury business and personal accounts, enabling companies to manage, pay, and reconcile bills with precision, control, and speed. It eliminates manual work, automates bill processing, and integrates with accounting systems for streamlined financial operations.
Enriched company details and information
Powerful banking. Simplified finances.
Mercury is a fintech company that provides online business banking services designed to simplify financial operations for startups and businesses.
Mercury offers online business banking services, including checking and savings accounts, treasury services, credit cards, and expense management.
Mercury serves startups and businesses of all sizes, enabling them to manage their financial operations efficiently.
Mercury provides an API for developers to integrate banking services into their applications.
Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC. Let banking power your financial operations. Banking should do more for your business. Now, it can.
Customer: Lindsay Liu
Mercury combines the speed, simplicity, and smarts that I need to get back to running my business.
"An operator’s dream. Mercury combines the speed, simplicity, and smarts that I need to get back to running my business."
Lindsay Liu - CEO & co-founder, Super
Detailed information about Mercury's products and services. Each offering is enriched with AI-powered insights to help you understand capabilities, features, and use cases.
Mercury Personal provides a modern, software-driven personal banking experience with features such as high-yield savings, joint accounts, investment portfolios, and advanced money movement tools. It is designed for individuals and families seeking a tech-forward, all-in-one banking solution.
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Mercury Personal is a subscription-based personal banking solution offering high-yield savings, up to $5M FDIC insurance, no-fee domestic and international wires, joint accounts, investment options, and advanced user permissions, all for $240/year. Mercury is a fintech company; banking services are provided through partner banks.
Mercury Personal provides a modern, software-driven personal banking experience with features such as high-yield savings, joint accounts, investment portfolios, and advanced money movement tools. It is designed for individuals and families seeking a tech-forward, all-in-one banking solution.
Experience powerful personal banking and earn 3.50% APY on your savings for one all-inclusive subscription of $240/year.
Competitive APY, powerful software, and protection for your money.
Joint accounts, cards, permissions, approvals.
Fine-tune your finances without minimums or hidden fees with a single annual subscription.
Mercury Working Capital Loans provide ecommerce businesses with fast, flexible funding to cover expenses such as inventory, advertising, payroll, rent, and other short-term liabilities. The offering features flat-fee pricing, fixed weekly repayments, and no personal guarantee requirements. Loans are originated and serviced by Mercury subsidiaries and are not available to businesses operating in California.
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Mercury Working Capital Loans are designed for ecommerce businesses to boost inventory, advertising, and other business needs with transparent, flat-fee pricing and fixed weekly repayments. The loans are tailored for established ecommerce brands seeking short-term financing to bridge cash flow gaps, with a focus on simplicity, speed, and partnership.
Mercury Working Capital Loans provide ecommerce businesses with fast, flexible funding to cover expenses such as inventory, advertising, payroll, rent, and other short-term liabilities. The offering features flat-fee pricing, fixed weekly repayments, and no personal guarantee requirements. Loans are originated and serviced by Mercury subsidiaries and are not available to businesses operating in California.
Boost inventory, advertising, and more with Mercury Working Capital.
Flat-fee pricing and competitive rates. Easy-to-understand terms so you know your true cost of capital. Fixed weekly repayment schedule. Long-term partnership with ecommerce expertise.
Holistic underwriting process considers revenue from all ecommerce sales platforms. Use funds for anything your business needs. No personal guarantee. No prepayment fees.
Fixed weekly payments provide predictability and remove the unpredictability of revenue-based repayment.
Your ecom specialist will help ensure you have everything you need to scale — from banking to corporate cards and everything in between. Need more capital? Your Specialist is at the ready to help with all your future lending needs.
Frequently asked questions about eligibility, application, fees, and requirements.
Mercury's API provides programmatic access to your business banking account, allowing you to automate financial operations, integrate with accounting and billing systems, and build custom financial workflows.
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Every Mercury account comes with read and write API access, enabling users to automate their financial workflows and integrate their banking data and actions programmatically.
Mercury's API provides programmatic access to your business banking account, allowing you to automate financial operations, integrate with accounting and billing systems, and build custom financial workflows.
Every Mercury account comes with read and write API access. Your account is yours to automate.
Maintain accurate records with less effort.
Your account — turned into building blocks.
Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC. Deposit insurance covers the failure of an insured bank.
Mercury Expense Management provides a unified platform for managing employee expenses through corporate cards and reimbursements. It streamlines spend control, automates receipt collection, and integrates with popular accounting software, helping finance teams save time and maintain control.
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Mercury's Expense Management solution enables businesses to manage employee expenses efficiently by combining corporate cards and reimbursements in one platform. It offers granular spend controls, privacy for account information, seamless accounting integrations, and a fast, intuitive setup.
Mercury Expense Management provides a unified platform for managing employee expenses through corporate cards and reimbursements. It streamlines spend control, automates receipt collection, and integrates with popular accounting software, helping finance teams save time and maintain control.
Experience hassle-free employee expense management with corporate cards and reimbursements together.
Effortlessly control spend, keep account info private, simplify month-end close, and get started in minutes.
Use corporate cards to control spend upfront and earn 1.5% cashback.
Venture Debt from Mercury provides startups that have recently raised or are planning to raise venture capital with access to non-dilutive capital. The product is designed to help companies extend their financial runway, reach key milestones, and avoid down rounds, all while maintaining more equity.
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Mercury Venture Debt is a financing solution designed for high-growth, VC-backed startups to extend their runway with minimal equity dilution. The offering features a modern, tech-enabled application process, competitive terms, and dedicated advisory support, all managed through a single dashboard.
Venture Debt from Mercury provides startups that have recently raised or are planning to raise venture capital with access to non-dilutive capital. The product is designed to help companies extend their financial runway, reach key milestones, and avoid down rounds, all while maintaining more equity.
Keep your equity with venture debt financing built for high-growth startups.
First-class terms, minimal dilution, competitive interest rates. Mercury supports VC-funded companies across stages and industries and offers the ability to refresh your loan with your next VC round.
If you’ve raised venture capital recently or are thinking about raising it soon, you may be a good fit for Mercury Venture Debt.
Tech-enabled process to manage capital with ease from a single dashboard. Easy access to funds, dedicated advisors, and transparent management.
Answers to common questions about venture debt, eligibility, costs, and process.
Accounting Automations by Mercury is a suite of AI-powered tools designed to automate and streamline accounting tasks such as bill management, transaction categorization, expense reporting, and payments. The platform integrates with popular accounting software and provides features to minimize manual work and errors.
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Mercury's AI-powered accounting automations help businesses save hours every month by automating bills, transactions, expenses, and payments. The solution integrates with leading accounting software and streamlines financial workflows for accuracy and efficiency.
Accounting Automations by Mercury is a suite of AI-powered tools designed to automate and streamline accounting tasks such as bill management, transaction categorization, expense reporting, and payments. The platform integrates with popular accounting software and provides features to minimize manual work and errors.
Save hours every month with accounting automations for bills, transactions, expenses, and payments.
Easily sync with QuickBooks, NetSuite, and Xero. Connect Mercury to your accounting software in a few clicks to make it easier to close your books. See all your bills, cards, employee expenses, and bank transactions in one place for easy cross-referencing and categorization. Let AI automatically code your transactions and expenses.
Set controls requiring employees to upload receipts for card transactions and expenses that meet your custom criteria. Collect employee receipts with weekly reminders and easy mobile uploading. Review and correct employee-coded transactions and expenses before pushing spend data to your accounting software.
Customize user permissions for your finance team and external bookkeepers, or securely send bank statements in a few clicks. File 1099s right from Mercury, collect W-9s, prefill forms with AI, file Federal and State 1099-NEC and MISC, track progress, and correct or void filings as needed.
Access enriched NetSuite integration and advanced financial workflows with paid plans.
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Mercury Invoicing is a feature built into Mercury business accounts that allows users to generate, send, and track invoices, receive payments through multiple methods, and automate accounts receivable workflows. It is designed to streamline the invoicing process by integrating it with banking, reducing manual work and reconciliation time.
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Mercury Invoicing lets you send professional invoices, track what you’re owed, and get paid the way you want — all from where you manage your banking. It enables seamless invoice creation, payment collection, and tracking, integrated directly with your Mercury business account.
Mercury Invoicing is a feature built into Mercury business accounts that allows users to generate, send, and track invoices, receive payments through multiple methods, and automate accounts receivable workflows. It is designed to streamline the invoicing process by integrating it with banking, reducing manual work and reconciliation time.
Send polished invoices, track what you’re owed, and get paid the way you want — all from where you manage your banking.
Generate invoices with a personal touch in minutes. Customize your invoices with your company’s logo and preferred color scheme. Receive payments the way you want: credit card, Apple Pay, Google Pay, wire, ACH transfer, or ACH debit for subscribers. See the status of all your invoices at once. Power your revenue flow with our invoicing API.
Recurring invoicing, reminders, and easy customer list management. Make invoices recurring in a few clicks. Send reminders in one click. Add, edit, and delete customers easily.
Reduce reconciliation time with invoicing and banking in one. Incoming payments are matched to the right invoices automatically. Grant special permissions to your finance team or bookkeepers. Automatically import all your invoice payments to QuickBooks, NetSuite, or Xero.
Access unlimited invoicing for free, or get more invoicing power with our paid plans.
Mercury Treasury allows businesses to invest idle cash in lower-risk mutual funds, with the goal of maximizing yield and maintaining liquidity. The service is managed by Mercury Advisory LLC, an SEC-registered investment adviser, and funds are custodied at Apex Clearing Corp, a FINRA-regulated broker-dealer. Mercury Treasury offers automated cash management, customizable portfolio allocations, and access to dedicated portfolio management for large balances.
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Mercury Treasury is a strategic cash management solution for businesses, offering high-liquidity, lower-risk investment portfolios powered by J.P. Morgan Asset Management and Morgan Stanley. It is designed to help businesses earn up to 3.94% yield on idle cash while maintaining access to funds and minimizing risk. Mercury Treasury is available exclusively to Mercury account holders who meet eligibility requirements.
Mercury Treasury allows businesses to invest idle cash in lower-risk mutual funds, with the goal of maximizing yield and maintaining liquidity. The service is managed by Mercury Advisory LLC, an SEC-registered investment adviser, and funds are custodied at Apex Clearing Corp, a FINRA-regulated broker-dealer. Mercury Treasury offers automated cash management, customizable portfolio allocations, and access to dedicated portfolio management for large balances.
Mercury provides a modern business banking platform featuring free checking and savings accounts, virtual and physical debit and credit cards, and a range of integrated financial tools. The service is designed to streamline banking and financial operations for startups and growing businesses, offering automation, spend controls, and seamless domestic and international payments.
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Mercury offers business banking with free checking and savings accounts, virtual cards, and a suite of financial tools designed for startups and growing companies. Banking services are provided through FDIC-insured partner banks, with up to $5M in FDIC insurance via sweep networks. The platform emphasizes automation, seamless payments, transparent pricing, and advanced controls for team and spend management.
Mercury provides a modern business banking platform featuring free checking and savings accounts, virtual and physical debit and credit cards, and a range of integrated financial tools. The service is designed to streamline banking and financial operations for startups and growing businesses, offering automation, spend controls, and seamless domestic and international payments.
Go beyond traditional banking with free checking and savings accounts, virtual cards, and more.
Get up to $5M in FDIC insurance through our partner banks and their use of sweep networks.
The IO Card is a business credit card issued by Patriot Bank, Member FDIC, under a Mastercard® license. It provides unlimited 1.5% cashback on all spend, helps build business credit from day one, and offers higher credit limits as your business grows. The card is available to eligible Mercury account holders and comes with robust spend management and expense control features.
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Mercury's business credit card, IO, offers unlimited 1.5% cashback, helps build business credit, and provides scalable spending power and expense management tools for startups and growing businesses. The card is available exclusively to Mercury account holders and is designed to scale with your business needs.
The IO Card is a business credit card issued by Patriot Bank, Member FDIC, under a Mastercard® license. It provides unlimited 1.5% cashback on all spend, helps build business credit from day one, and offers higher credit limits as your business grows. The card is available to eligible Mercury account holders and comes with robust spend management and expense control features.
Mercury Bill Pay automates the accounts payable process, allowing businesses to receive, organize, approve, and pay bills directly from their Mercury checking and savings accounts. The solution leverages AI to extract bill details, detect duplicates, and prevent unauthorized payments, while syncing seamlessly with popular accounting software.
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Mercury Bill Pay is an automated accounts payable solution built into Mercury business and personal accounts, enabling companies to manage, pay, and reconcile bills with precision, control, and speed. It eliminates manual work, automates bill processing, and integrates with accounting systems for streamlined financial operations.
Mercury Bill Pay automates the accounts payable process, allowing businesses to receive, organize, approve, and pay bills directly from their Mercury checking and savings accounts. The solution leverages AI to extract bill details, detect duplicates, and prevent unauthorized payments, while syncing seamlessly with popular accounting software.