Banking designed for your peak season

Get the control, insights, and capital you need to win the holiday rush and navigate the seasonal cash flow crunch.

Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.

Here’s a look at your busiest time of year running smoothly with Mercury

01: Win your peak season before it begins

Prep your accounts

Set up auto-allocations for taxes, expenses, and profit so you’re not scrambling mid-season.

Fill in cash flow gaps

Get working capital loans for inventory and ad spend so you don’t have to wait on revenue.

Pay suppliers without high fees

Secure inventory with free USD wires, low 1% fees on non-USD wires, and 3% on non-USD card spend.

02: Manage your holiday season seamlessly

Get paid without the wait

Skip payout delays with real-time payments (coming soon) so that revenue hits your account in seconds.

Spend smarter and get more back

Access our IO credit card with an industry low minimum balance and earn uncapped 1.5% cashback.

Act on in-the-moment insights

Real-time cashflow and spending data helps inform your scaling or pivoting decisions.

03: Shift to strategizing after the rush

Look back to plan ahead

Break down holiday spend and revenue to forecast smarter for what’s next.

Reallocate any way you want

Pay expenses, cover taxes, and take profit confidently with post-peak cash already sorted.

Streamline your accounting

Categorize and sync transactions with your accounting software to help close the books faster.

Here are some resources we made to help you throughout peak season

Your ecommerce peak season checklistArticle

What is inventory financing? A guide for ecommerceArticle

How the new tax law could impact your ecommerce businessArticle

How to use our forecast model built for ecommerceTool

Purchase order templateTool

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.

  1. Loan amounts are subject to eligibility and credit criteria. Mercury’s Venture Debt and Working Capital loans are originated from Mercury Lending, LLC ( NMLS: 2606284) and serviced by Mercury Servicing, LLC ( NMLS: 2606285). At this time, we are unable to offer working capital loans to businesses operating in California.

  2. The IO Card is issued by Patriot Bank, N.A., Member FDIC, pursuant to a license from Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

  3. IO’s qualifying balance minimum is one of the lowest among known major players in the business charge card space that determine eligibility by cash balance, as of May 2025.

  4. The IO Card is issued by Patriot Bank, N.A., Member FDIC, pursuant to a license from Mastercard International Incorporated. Eligible customers can access the IO card on day one of opening a Mercury account, limitations apply.  Cashback is automatically credited to your linked checking account when your monthly repayment is processed. If you make an early payment (full or partial), you’ll receive cashback proportional to the amount paid. Your Mercury accounts must be open and in good standing to receive cashback. Cashback rewards may be forfeited if your account is closed or pending closure based on a violation of any applicable terms. Mercury may modify or terminate the cashback program at any time.