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Mercury Bank

|Commercial Bank|United States
Up to $10 Million
Loan Amount
No Minimum Time in Business
Time in Business

Our Mercury Bank Review

4.0/ 5.0How we rate

Mercury is a software-first commercial bank built for startups and entrepreneurs, operating nationwide. The platform pairs full business banking—checking, savings, and treasury accounts—with lending products including term loans, lines of credit, and venture debt, with financing available up to $10 million. Mercury publishes no stated minimums for credit score, revenue, or time in business, so eligibility is best confirmed directly. Particularly well suited for SaaS and ecommerce businesses that want a polished digital experience in place of branch banking, Mercury carries a strong reputation among the founders and operators it serves. A good fit if you want your banking and borrowing in one tech-forward platform.

Who Is Mercury Bank Best For?

Based on eligibility requirements and available products.

  • Businesses where credit score is not a primary factor
  • New businesses with limited operating history
  • Businesses with commercial real estate financing needs
  • Businesses that need flexible, revolving access to capital

Financing Options

Working Capital
Line of Credit
Term Loan

Eligibility Requirements

Time in Business
No Minimum Time in Business

Get Started

See My Loan Options

Free · Won't affect your credit score

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Quick Overview

Loan AmountUp to $10 Million
GeographyUnited States
DoughRating
Products3
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Mercury Bank Pros & Cons

Pros

  • No minimum credit score requirement
  • Startup-friendly no seasoning requirement
  • Lends nationwide
  • High loan amounts available

Frequently Asked Questions

Mercury Bank offers financing in the range of Up to $10 Million.

Mercury Bank does not apply a strict minimum credit score requirement, making it accessible to a wider range of businesses.

Mercury Bank offers the following financing products: Working Capital, Line of Credit, Term Loan.

Mercury Bank requires a minimum of No Minimum Time in Business in business. Newer businesses may want to explore alternative lenders with lower seasoning requirements.

Mercury Bank provides financing to businesses across the United States.

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