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Working capital loans built for ecommerce

Boost inventory, advertising, and more with Mercury Working Capital.
Check Eligibility

Working capital loans provided by Mercury Lending, LLC

Funding for what’s next?Add to cart.

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.

UI module showing that a user has been approved for a $275K loan. The underwriting based on their connected bank accounts, storefronts, and bookkeeping.

Unlock funding that doesn’t hold you back

  • Use funds for anything your business needs — we trust you to know what’s best.
  • Unsecured capital, no collateral required.
  • 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.

Forecast the road ahead

With fixed weekly payments on your working capital loan, you’ll know exactly how much you’re paying and leave the unpredictability of revenue-based repayment behind.

UI showing a loan overview and payment schedule.

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, and everything in between.
  • Need more capital? Your Specialist is at the ready to help with all your future lending needs.
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Simplified banking, lending, and financial workflows all in one place

list of account types

Bank accounts

No monthly fees. $0 ACH, domestic and international (USD) wires, and checks.

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IO credit card

Earn 1.5% cashback on every purchase and set custom limits for your team.

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Bill pay

Drag and drop invoices to pay vendors in a few clicks.

Fund your fullest potential

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

Ecommerce

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

Ecommerce

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

Founder

Chisos Boot Company

Ecommerce

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FAQ

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.

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:
  1. You need to be an ecommerce brand incorporated in the United States. Businesses that operate in California, Nevada, or Vermont are subject to additional eligibility requirements.
  2. You need to be generating at least $250k of annual sales with at least 6 months of trading history.

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.

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. you can draw funds immediately.

Yes. The funds from your Mercury Working Capital loan will be deposited into your bank account with Mercury.
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 bank account with Mercury before funds are deposited. However, you don’t need to wait until that point to simplify your business finances — feel free to apply for a bank account with Mercury at any time here.

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.

No, we don’t require a personal guarantee or collateral to secure a Mercury Working Capital loan.

Disclaimers and footnotes

    Mercury is a fintech company, not an FDIC-insured bank. Banking services provided by Choice Financial Group, Column N.A., and Evolve Bank & Trust, Members FDIC. Deposit insurance covers the failure of an insured bank.