Resources and inspiration for ambitious builders

Introducing Mercury's U.S. Treasury Ladders—bond ladders and an investment portfolio built around how businesses actually use money.

Product Updates

How we reinvented Mercury Treasury

Introducing bond ladders, and an investment portfolio built around how businesses actually use money.

Trevor Walters

Illustration of birds flying over a light blue background and stylized pink-orange bar chart | Mercury's New Economics of Starting Up 2026

Deep Dives

The new economics of starting up in 2026

Sid Orlando

Company News

Introducing Mercury Spend

Ben Burgett

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Business Banking

Can you open a business bank account without an EIN?

You may be able to open a business bank account without an EIN, depending on your business structure and the financial institution. Learn when you’ll need an EIN, when other identification may work, and what to expect if yours is still pending.

Zoey Bold

Accounting & Financial Ops

What is retro pay, and when should you use it?

From a missed raise to a miscalculated paycheck, even small payroll mistakes can leave employees short on what they’ve earned.

Rosalind Toews

Illustration of three flowers, representing growth through investment

Accounting & Financial Ops

The employer’s guide to payroll garnishments

Understand your responsibilities when a wage garnishment order arrives, from calculating withholding to keeping payroll compliant.

Jen Roney

Accounting & Financial Ops

The best payroll software for small businesses in 2026

The best payroll software for your business is the platform that fits your team’s needs and your plans for growth. Here’s how to identify which one matches your business the best.

Naureen Aqueel

Co-centric circles with guarded checkmark in center

Accounting & Financial Ops

How to prevent payroll fraud: 5 common scenarios

Payroll fraud isn’t always obvious. If you’re not looking carefully, you might miss the signs.

Anam Ahmed

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Starting a Business

How to get an EIN number for your ecommerce business

Explore why an EIN is essential to your ecommerce business, and learn how to get one — and what to expect along the way.

Mercury

Outlines of a globe as a background pattern, with an illustration of a bank building

Business Banking

How to open a U.S. bank account remotely

Opening a U.S. business bank account doesn't have to be complicated. Here's what founders need to know about choosing a provider, preparing the right documents, and opening an account remotely.

Mercury

Illustration representing the dropshipping cycle

Starting a Business

How to start a dropshipping business

Dropshipping lets founders launch an ecommerce business without managing inventory, but there’s more to it than setting up an online store. Success still takes careful planning, reliable suppliers, and a strategy for growth.

Mercury

Scaling & Growth

How to build business credit in 30 days

A practical week-by-week plan to help founders establish business credit fast, strengthen financial credibility, and set up for long-term growth.

Mercury

Scattered side of coins next to neat column of coins

Accounting & Financial Ops

How to gross up payroll: A step-by-step guide for employers

Learn how payroll gross-ups work, when to use them, and how to calculate the right payment.

Zoey Bold

Fundraising

How to establish a strong business credit profile for your startup

Building strong business credit takes time, but getting started early can pay off. Here are the practical steps founders can take to build credit and strengthen their financing options.

Tom Frantz

Business Operations

From idea to invoice: What to set up before you launch

A clear roadmap to go from business idea to first invoice without getting lost in the startup chaos.

Zoey Bold

Starting a Business

How to register your LLC

Follow this step-by-step guide to registering an LLC, including the paperwork, costs, and compliance requirements you need to know to get your business up and running.

Josh Richards

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Starting a Business

What documents do I need to open a U.S. business?

Opening a U.S. business means getting your paperwork in order — from formation documents to tax IDs — so you can operate legally from day one. Here's what you need to know.

Mercury

Accounting & Financial Ops

Fringe benefits and payroll: What's taxable and what isn't

From health insurance to commuter perks, learn how fringe benefits affect taxable wages, withholding, and payroll reporting.

Jen Roney

Flashing light bulb surrounded by people and dollar sign icons

Starting a Business

Incorporation isn’t the finish line: A CPA’s advice for new founders

Build financial foundations from day one.

Anna Burgess Yang

Illustration of incorporation document with a list and checkmarks.

Starting a Business

How to incorporate a startup

All startups should incorporate — but what are the pros and cons of incorporating, what should you consider when becoming a C-corp, and how do you complete the process?

Mercury

Business Banking

The best global payroll software in 2026

The “best” global payroll software won’t look the same for every business. Here’s how to differentiate between global payroll, EOR, and contractor management, so you can identify which platforms best fit your hiring model.

Naureen Aqueel

Accounting & Financial Ops

8 steps to keep payroll compliant for small business owners

Even if you use payroll software to run the numbers, it’s still your responsibility to meet compliance standards. Here’s what to check every pay period, quarter, and year.

Sal Sawler