Mercury is designed for growth-oriented, digital-first businesses that need streamlined, tech-forward banking without the limitations of traditional banks.
This document outlines key client eligibility criteria, as well as important limitations to consider when referring clients to Mercury.
Companies and brands that thrive with Mercury
These types of business align well with our core product experience and capabilities:
- Tech startups, e-commerce brands, and digitally native companies
- Companies that operate remotely or internationally with U.S. banking needs
- Venture-backed or bootstrapped startups needing financial automation
- Businesses that need banking integrations with accounting and payment platforms
- Brands and professional services that rely heavily on digital payments instead of cash deposits or withdrawals
Considerations for accounting professionals who refer Mercury
Not quite the right fit:
Mercury is primarily a banking platform, and as such isn’t ideal for clients who rely on cash transactions or physical banking infrastructure.
- We don’t have physical locations, an ATM deposit network, or the ability to deposit or withdraw cash, so we’re not a good fit for clients who require frequent cash deposits or cash withdrawals
- Not ideal for clients who depend on check-writing capabilities, as we don’t currently offer checks
- Mobile check uploads are available, but bulk check deposits and check scanners are not supported
- Your client must have a U.S. legal/residential address
Eligibility for Mercury Products:
There are a few requirements your clients need to meet in order to use some of Mercury’s products.
- The Mercury IO credit card requires a $15K minimum balance — at which point they can qualify for higher limits and choose between monthly or daily repayment schedules — across all Mercury accounts
- To qualify for Mercury Venture Debt, companies must have raised VC funding in the last 12 months
- To be eligible for Mercury Treasury, clients must have a $250K minimum balance and a US address
