# Mercury: Business banking and financial software for startups and small businesses > Mercury is a USA-based fintech company. It is not a bank. Mercury provides banking services to start-up companies and small businesses. Mercury launched in 2017. Key terms: Business Banking, Online Business Banking, Online Business Bank Account, Business Credit Cards, Treasury Cash Management, Working Capital Loans, Venture Debt, Personal Banking, Bill Pay, Invoicing, Employee Expense Management, Accounting Automations, Free Simple Agreement for Future Equity (SAFE) Generator ## Mercury Products - [Business Checking & Savings](https://mercury.com/bank-accounts.md): A digital business banking platform offering FDIC-insured checking and savings accounts for startups and small businesses. - [Treasury](https://mercury.com/treasury.md): A service that helps businesses earn yield on idle cash through automated treasury management. - [Business Credit Cards](https://mercury.com/credit.md): A business credit card designed to offer flexible spending limits and rewards for businesses. - [Working Capital Loans](https://mercury.com/working-capital-loans.md): A short-term ecommerce business loan to improve cash flow and cover operational expenses. - [Venture Debt](https://mercury.com/venture-debt.md): A financing option that provides startups with non-dilutive funding to extend their financial runway. - [Personal Banking](https://mercury.com/personal-banking.md): A digital personal banking platform offering FDIC-insured checking and savings accounts for individuals. - [Financial Workflows](https://mercury.com/financial-workflows.md): Overview of all the financial services accessible through the Mercury platform. - [Bill Pay](https://mercury.com/bill-pay.md): A feature that enables businesses to automate vendor payments and manage bills efficiently. - [Invoicing](https://mercury.com/invoicing.md): A tool for businesses to create, send, and track invoices with integrated payment options. - [Expense Management](https://mercury.com/expense-management.md): A platform to simplify tracking, approving, and reimbursing business expenses. - [Accounting Automations](https://mercury.com/accounting-automations.md): A system that syncs transactions with accounting software to streamline bookkeeping. ## Industries that Mercury Serves - [Accountants](https://mercury.com/for/accountants): A banking solution for accountants to manage client funds, automate payments, and track finances. - [Ecommerce](https://mercury.com/ecommerce): Business banking for online stores, with tools to manage payments, cash flow, and expenses. - [Life Science](https://mercury.com/life-science): Banking for biotech and life science companies to handle funding, grants, and daily expenses. - [SaaS](https://mercury.com/saas): A banking platform for software companies to manage revenue, expenses, and funding. - [VC Funds](https://mercury.com/vc-funds): Banking designed for venture capital firms to manage investments, capital calls, and payouts. - [Crypto](https://mercury.com/web3): A banking service for crypto and Web3 businesses to handle traditional currency transactions. - [Climate](https://mercury.com/climate): A banking solution designed for climate-focused startups to manage capital and business expenses. ## Key Help Center Resources To Open A Mercury Account - [Gathering your documents](https://support.mercury.com/hc/en-us/articles/28770957425172-Gathering-your-documents): Documents a business needs to open a Mercury account - [Eligibility](https://support.mercury.com/hc/en-us/articles/28770467511060-Eligibility): A list of eligibility requirements to open a Mercury account, including company registration, supported industries and documents. - [Company address requirements](https://support.mercury.com/hc/en-us/articles/28769699533588-Company-address-requirements): A list of the addresses that Mercury collects as part of the account application process. - [Getting an EIN](https://support.mercury.com/hc/en-us/articles/28771757604244-Getting-an-EIN): Applicants need an EIN to apply for a Mercury account. This help article explains which documents are required and when the applicant can apply for an EIN. - [Prohibited countries](https://support.mercury.com/hc/en-us/articles/28771710754580-Prohibited-countries): A list of countries and regions where founders are living that are prohibited from opening a Mercury account. - [After you submit your application](https://support.mercury.com/hc/en-us/articles/28771494745364-After-you-submit-your-application): Information on the standard process that happens once Mercury receives an application. - [Reapplying if your Mercury application has been denied](https://support.mercury.com/hc/en-us/articles/31759083693844-Reapplying-if-your-Mercury-application-has-been-denied): The process of reapplying if an application is refused. - [Sending domestic payments](https://support.mercury.com/hc/en-us/articles/28772344978068-Sending-domestic-payments): The process of creating a new payment from a Mercury dashboard or mobile app. - [Depositing money overview](https://support.mercury.com/hc/en-us/articles/28770701024020-Depositing-money-overview): A help article outlining the different funding options available for depositing money in a Mercury account. - [Holidays and bank closures](https://support.mercury.com/hc/en-us/articles/28770694771092-Holidays-and-bank-closures): A list of all observed holidays that are statutory bank holidays in the United States. This means that they do not count as business days. Any transactions into or out of a Mercury account will resume processing on the next proceeding business day. Mercury Support will also be unavailable. ## Account Actions - [Open Account](https://app.mercury.com/signup): Start the Mercury account application flow. - [Log In](https://app.mercury.com/login): Log in to your Mercury account. - [Explore Demo](https://demo.mercury.com/dashboard): A demo of Mercury account products and features. - [Contact](https://mercury.com/contact): Ways the Mercury team can be contacted for account support queries, partnerships and media inquiries. ## Blog Posts - [The Bottom Line](https://mercury.com/blog): Mercury's blog, providing insights on starting a business, startup fundraising, growing your business, financial and business operations, accounting, and go-to-market strategies. - [How to get an EIN for your ecommerce business](https://mercury.com/blog/getting-an-ein): A step-by-step guide on how ecommerce business owners can apply for and receive an Employer Identification Number (EIN). - [The startup guide to simplifying financial workflows](https://mercury.com/blog/founder-guide-simplifying-financial-workflows): Outlines ways for startups to handle money tasks with less effort. - [How to use the Profit First method to boost your startup's profits](https://mercury.com/blog/how-to-use-profit-first-method): Discusses a simple method to help startups manage money and increase profits. - [Building your company’s first forecast model and why it’s important (with template)](https://mercury.com/blog/forecast-model-template): A blog post and template on how to create a forecast that predicts future costs and income. - [Navigating the costs of launching a startup](https://mercury.com/blog/us-business-fees):A list of common costs to expect when starting a US-based business. - [Complete guide to navigating tax season](https://mercury.com/blog/guide-to-tax-season): Everything businesses need to know about preparing and filing taxes. - [What is unit economics, and does it matter for your startup?](https://mercury.com/blog/understanding-unit-economics): Simple ways to measure if your business makes more money than it spends per sale. - [How do SAFEs work?](https://mercury.com/blog/safe-notes-startups): A beginner’s guide to how SAFEs help startups raise money without diluting ownership right away. - [How to do a SWOT analysis](https://mercury.com/blog/conducting-swot-analysis): A way to look at a business’s strengths, weaknesses, opportunities, and threats. - [How to build a strong financial foundation as a startup’s first finance hire](https://mercury.com/blog/setting-foundation-as-first-finance-hire):What the first finance employee at a startup should focus on. - [How to open a U.S. bank account remotely](https://mercury.com/blog/open-us-bank-account): How international founders can open a U.S. bank account without visiting the country. - [What is a sweep network and how does it work?](https://mercury.com/blog/understanding-bank-sweep-network): How and why banks spread customer deposits across a network of banks. - [Deciphering the differences between regional, community, and national banks](https://mercury.com/blog/understanding-regional-community-national-banks): A simple comparison of different types of banks and what they offer. - [Demystifying the complexity of sending international wires through SWIFT](https://mercury.com/blog/international-wires): How international wire transfers work and what businesses should know. - [How to assess the financial health of your bank](https://mercury.com/blog/bank-financial-health): Signs to check if a bank is stable and safe for your business. - [What are the benefits of revenue diversification?](https://mercury.com/blog/revenue-diversification-benefits): Why businesses should make money in more than one way. - [ACH v. wire transfer: What are the main differences?](https://mercury.com/blog/differences-ach-versus-wire-transfer): A simple comparison of ACH transfers and wire transfers. - [How to offer employee benefits as an early-stage startup](https://mercury.com/blog/startup-employee-benefits): Easy ways for startups to provide perks like health insurance and retirement plans. - [How to manage business travel & entertainment expenses for your startup](https://mercury.com/blog/managing-startup-travel-and-entertainment-expenses): How startups can track and control travel and entertainment costs. - [What documents do I need to open a U.S. business?](https://mercury.com/blog/documents-needed-to-open-a-us-business): A list of documents needed to start a business in the U.S. - [How to analyze a profit and loss (P&L) statement](https://mercury.com/blog/analyze-profit-loss-statement): A simple guide to understanding a report that shows how much money a business makes and spends. - [A founder's guide to 1099 filing](https://mercury.com/blog/how-to-prepare-for-1099-filing): What business owners need to know about sending 1099 tax forms to contractors. - [How to read a typical venture debt term sheet](https://mercury.com/blog/the-venture-debt-term-sheet): A beginner’s guide to understanding a venture debt loan offer for startups. - [What to know about paying taxes on my U.S. ecommerce business](https://mercury.com/blog/paying-taxes-on-a-us-business): A basic guide to tax rules for online businesses in the U.S. - [How to choose the best business credit card for your startup](https://mercury.com/blog/how-to-choose-best-corporate-credit-card-for-startup): What to look for when picking a business credit card. - [How to establish a strong business credit profile for your startup](https://mercury.com/blog/establishing-strong-business-credit): Steps to build good business credit for future loans and financing. ## Founder Resources - [Raise](https://mercury.com/raise): A platform that helps founders find investors, connect with funding opportunities, and manage fundraising. - [Investor Database](https://mercury.com/investor-database): A free list of investors that founders can browse to find potential funding partners. - [Investor Connect](https://mercury.com/raise/investor-connect): A service that matches founders with investors based on their funding needs. - [Founder Community](https://mercury.com/raise/founder-community): A network where startup founders can connect, share advice, and support each other. - [Software Stack](https://mercury.com/raise/software-stack): A collection of recommended tools to help startups run and grow their businesses. - [Events](https://events.mercury.com/): Register for upcoming events hosted by Mercury. ## More information about the Mercury banking platform - [Our Story](https://mercury.com/about): Information about Mercury including why the company exists and the company vision. - [How Mercury Works](https://mercury.com/how-mercury-works): A visual diagram, with accompanying text, explaining of how Mercury works. - [Security](https://mercury.com/security): The security features that come with a Mercury account. - [Perks](https://mercury.com/perks): Mercury deals on tools for your startup. - [API](https://mercury.com/api): APIs that come with every Mercury account. - [Pricing](https://mercury.com/pricing): Mercury's pricing model. - [Partnerships](https://mercury.com/partnerships): Different partnership opportunities with Mercury, including affiliate, referral, integration, venture capitalists, startup accelerators and accounting and legal services. - [Careers at Mercury](https://mercury.com/jobs): Open career opportunities at Mercury, and reasons to work for Mercury. - [Legal](https://mercury.com/legal/terms): Mercury Terms of Use - [Privacy Policy](https://mercury.com/legal/privacy): Mercury B2B Privacy Policy ## Developer Documentation - [Welcome to Mercury's API docs](https://docs.mercury.com/reference/welcome-to-mercury-api): API documents that provide the available endpoints and example code for using the API. - [API Token Security Policies](https://docs.mercury.com/reference/api-token-security-policies): Information on token downgrades, IP whitelists and scopes. - [Bank Account Information Retrieval](https://docs.mercury.com/reference/accounts): Retrieve information about all your bank accounts. - [Recipients Information Retrieval](https://docs.mercury.com/reference/recipients-1): Retrieve information about all of your recipients. - [Statements](https://docs.mercury.com/reference/accountidtransactiontransactionid-copy): Download an account statement PDF document. - [Treasury information Retrieval](https://docs.mercury.com/reference/treasury-1): Retrieve information on your Treasury account, including available balance and account status. - [Business Credit Card Information Retrieval](https://docs.mercury.com/reference/credit-1): Retrieve information on your business credit card, including available and current balance. - [Integrations with OAuth2](https://docs.mercury.com/reference/integrations-with-oauth2): Information on how to get access to OAuth2 to integrate with Mercury's platform.