Mercury

Mercury is a financial technology company that provides banking services designed specifically for startups and scaling businesses. Through partnerships with federally insured banks, Mercury offers business checking and savings accounts, corporate cards, treasury management, venture debt, and a full-featured financial dashboard that gives founders real-time visibility into their company finances. The platform includes automated bookkeeping integrations with QuickBooks and Xero, built-in invoice payments, international wire transfers, and FDIC insurance up to $5 million through its partner bank network. Mercury Treasury automatically sweeps idle cash into government-backed securities to earn competitive yields while maintaining next-day liquidity. The Mercury corporate card offers 1.5% cashback with no personal guarantee required, spending controls, and real-time receipt matching. For startups, Mercury provides features like SAFEs and convertible note tracking, cap table integration, and runway forecasting that are simply not available from traditional banks. The platform has become the default banking choice for Y Combinator startups and venture-backed companies, processing billions in transactions annually. Mercury IO provides advanced financial workflows, multi-entity management, and programmable banking through API access for companies that have outgrown basic business banking.