Mercury logoThe logo for Mercury, featuring a circular emblem with abstract, interconnected swirling lines on the left, and the word "MERCURY" in clean, uppercase letters to the right.
mercury working capital dashboard

Working capital loans 
built for your next move

Fund payroll, marketing spend, inventory, and more with Mercury Working Capital.
Check eligibility

Loan amounts are subject to eligibility and credit criteria. Mercury’s Venture Debt and Working Capital loans are originated by Mercury Lending, LLC (NMLSOpens in new tab: 2606284) and serviced by Mercury Servicing, LLC (NMLSOpens in new tab: 2606285). Mercury Lending and Mercury Servicing are wholly-owned, separately managed subsidiaries of Mercury Technologies, Inc. At this time, we are unable to offer working capital or venture debt loans to businesses operating in California.

Funding to help you reach your next milestone

Fund growth without dilution

Borrow without a claim on your equity.

Know what you're borrowing

Understand the full sum and cost before you sign.

Keep your cash flow steady

Repay a fixed amount every week, down to the dollar.

Get an offer sized to your business’s total revenue

  • Simplify the offer process with financials pulled directly from your banking and accounting platforms

  • Get underwritten across every channel you earn through, from storefronts to subscriptions

  • Skip the personal guarantee, because we underwrite your business, not you personally

interface depicting working capital approval and connected accounts

Put it toward whatever comes next

  • Get the freedom to spend on inventory, your next few hires, or marketing spend

  • Budget around fixed weekly payments instead of handing over a percentage of your sales

  • Pay down early whenever you're ready, with no prepayment fees to penalize you

Mercury UI depicting a loan repayment schedule

Grow with a pro in your corner

  • Get someone to walk you through your terms and explain the true, total cost

  • Know when to re-up so you have capital ready for your next inflection point

  • Work with someone who understands the complexities of cash flow at scale

illustative conversation between a mercury customer and a mercury professional

Fund your fullest potential

Mercury offers access to competitively-priced capital with fixed payback schedules, unlike revenue-based payback funding options. Combine that with their great financial solutions and it’s a no-brainer.

Ryan Rizos

Co-founder & CEO, Bogey Bros

More ways to grow your cash

Abstracted UI showing various accounts: checking, savings, and credit.

Business accounts

Skip the monthly fees and send ACH, wires, and checks for $0.

Image showing a real credit card alongside several illustrated credit card designs.

IO credit card

Get more credit for spending and earn 1.5% cashback on every purchase.

Fictional invoice highlighting three specific items: Item 1 - credit card number, item 2 - name, item 3 - total amount

Treasury

Earn yield on the capital you haven't deployed yet, with same-day access.

FAQ

No. Mercury Working Capital* is a term loan, not a revolving line of credit. You receive a lump sum upfront and repay it in fixed weekly payments over a set term, typically 4 to 11 months. Repaying doesn’t free up credit to borrow again. If you want more funding later, we’ll consider a new offer once you’ve repaid at least 50% of your loan and your account is in good standing.

  1. Complete the eligibility questionnaire. It asks how your business operates, with options for online sellers, retail/wholesale, software, B2B services, services to individual customers, and marketing or advertising agencies.
  2. Connect your accounts. If you’re eligible to apply, you’ll be asked to connect your company’s banking and accounting platforms so our underwriters can review your application. There are no forms to fill out. Just connect your accounts and we’ll take it from there.
  3. Connect a storefront, or continue without one. Ecommerce businesses can connect their storefronts (e.g., Shopify, Amazon, Stripe) in the Storefronts section. If your business doesn’t have a storefront, select Continue without connecting a storefront and confirm. This marks the section complete so you can submit your application.

Mercury Working Capital* is available to businesses across a wide range of industries, including businesses that:
  • Sell physical products online (through their own store, drop-shipping, or an online marketplace)
  • Sell products through retail or wholesale channels
  • Sell software subscriptions or digital products (e.g., SaaS)
  • Provide services to other businesses (e.g., professional services)
  • Provide services to individual customers
  • Operate as a marketing or advertising agency

The application takes about 10 minutes, and you’ll typically hear back from our underwriting team in about 2-3 business days. From there, the terms and agreement review process is unique to each applicant, but a simple process can be as fast as a few days.Once your agreement is signed, you’ll have access to your loan dashboard in your Mercury account within 1-2 business days. You can draw your loan funds immediately. Funds often arrive instantly once drawn, but may take up to 48 hours.

No. Applying for Mercury Working Capital* does not affect your personal or business credit score.

There’s a simple, flat fee that’s determined upfront as part of the underwriting process and is a percentage of your total advance amount. That fee is spread out evenly across all your weekly payments so you don’t have to pay it all at once. There are no hidden costs or compounding interest.

Yes. The funds from your Mercury Working Capital* loan will be deposited into your Mercury account*.If you’re not a Mercury customer already, you’ll be prompted to set up Mercury login credentials to check your eligibility. If you’re approved, you’ll then need to set up an account with Mercury* before funds are deposited. You don’t need to wait until then to simplify your business finances. Feel free to apply for an account with Mercury at any time here.

Disclaimers and footnotes

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.