Working capital loans built for ecommerce
Boost inventory, advertising, and more with Mercury Working Capital.
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). 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 loans to businesses operating in California.
Funding for what’s next?
Flat-fee pricing and competitive rates
- Easy-to-understand terms so you know your true cost of capital.
- Fixed weekly repayment schedule: Forecast your finances without the unpredictability of revenue-based payback.
- Long-term partnership: Get a helpful consultant with ecommerce expertise as you run, grow, and scale.
Transparent terms designed to help you grow
Get the most for your business
With our holistic underwriting process, we look at revenue from all your ecommerce sales platforms to ensure you get the best offer.
Unlock funding that doesn’t hold you back
- Use funds for anything your business needs — we trust you to know what’s best.
- No personal guarantee, so your personal assets aren’t on the line.
- No prepayment fees because we don’t think you should be penalized for growth.
Optimize how you operate with your Mercury ecom specialist
- Your ecom specialist will help ensure you have everything you need to scale — from banking to corporate cards, 1 and everything in between.
- Need more capital? Your Specialist is at the ready to help with all your future lending needs.
Simplified banking, lending, and financial workflows all in one place
Business accounts
No monthly fees. $0 ACH, domestic and international (USD) wires, and checks.
IO credit card
Earn 1.5% cashback 2 on every purchase and set custom limits for your team.
Bill pay
Drag and drop invoices to pay vendors in a few clicks.
We’ve had three working capital loans so far and I can say that working with the team at Mercury gives me complete peace of mind. My Ecom Specialist has my back, understands my business, and wants to help me grow. Brandon Wang Founder, Capnos
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
Mercury Working Capital loans are great for established ecommerce brands. Their team is efficient and professional — plus their rates are some of the best available. Thanks to the team for giving us the working capital we needed! Will Roman Chisos Boot Company
FAQ
When should my company opt for a working capital loan?
A working capital loan is a great option for ecommerce businesses who need short-term financing to bridge the gap between outgoing expenses and incoming revenue. These loans are especially useful when gearing up for a busy season (like the holidays) and the funds can help cover expenses such as payroll, rent, inventory purchases, and other short-term liabilities that you might otherwise have trouble covering when dealing with cash flow fluctuations.
Is my business eligible for Mercury Working Capital?
The best way to find out if you’re eligible for a working capital loan is by going through our quick eligibility questionnaire, but here are a couple requirements:
- You need to be an ecommerce brand incorporated in the United States. At this time, we are unable to offer working capital loans to businesses operating in California.
- You need to be generating at least $250k of annual sales with at least 6 months of trading history.
How do I apply for a working capital loan?
The first step is to go through our short eligibility questionnaire. If you’re eligible, you’ll be asked to connect your company’s banking, commerce, and accounting platforms to share additional information with our underwriters as they review your application. There are no forms to fill out — just connect your accounts and we’ll take it from there.
How long does it take to apply and get funds?
Filling out 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 will have access to your loan dashboard in your Mercury account within 1-2 business days. From there, you will be able to draw your loan funds immediately. Funds often arrive instantly in your account once drawn, but may take up to 48 hours.
Do I need a Mercury account in order to receive Mercury Working Capital?
Yes. The funds from your Mercury Working Capital loan will be deposited into your business account with Mercury. 3
If you’re not a Mercury customer already, you’ll be prompted to set up Mercury login credentials to check your eligibility for Mercury Working Capital. If you’re approved for a working capital loan, you’ll then need to set up a business account through Mercury before funds are deposited.
What are the fees?
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 then spread out evenly across all your weekly payments so you don’t have to pay it all at once.
Is a personal guarantee required?
No, we don't require a personal guarantee to secure a Mercury Working Capital loan.
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.
The Mercury Debit Cards are issued by Choice Financial Group and Column N.A., Members FDIC, pursuant to licenses from Mastercard®. 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.
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, and any promotional offers or other changes will be communicated by email or on our website. If you have questions about your cashback, please contact Mercury at help@mercury.com.
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.
Explore working capital in Mercury