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Get financed in USD!

Mercury partners with Efficient Capital Labs to offer rapid non-dilutive growth capital.

What makes us different

We champion a modern approach towards financing.

Non-dilutive funding

Grow with up to $2M of financing, while preserving your ownership. Receive up to 65% of your annual revenue upfront, with no equity, warrants or dilution.

Borderless

Get recognized for your growth in all geographies, via our global underwriting. Get funded in USD or INR.

Rapid offer

Time your cash to your opportunities. Receive an offer within 3 days - with an instant indicative offer if eligible.

Modern experience

Monitor your funds with our online dashboards, and our 20 minute application saves you time with APIs and AI for fast processing.

How much funding can I get?

Calculate your potential funding

Annual Recurring Revenue (ARR)

Slider - Pick your ARR
$0
Your potential funding
$435,000
$2,500
Monthy Principal Repayments
$250
Monthy Fee Repayments*
$2,750
Monthy total Repayments
* Based on 10% annual fee, and funding of 30% of ARR

Am I eligible?

We look for companies who

Are B2B or recurring revenue businesses

Generate > $100K in annual revenue

Operate in the software or digital sectors

Have, or are willing to open a US entity or subsidiary (for USD financing), or an India entity or subsidiary (for INR financing)

How it works

1

Apply online

Help us get to know your business. Sync and submit your bank, accounting and contracts data.

2

Receive an offer

Your offer will include the amount we can finance, and a transparent flat pricing offer - there are no hidden costs!

3

Get funded

Use your financing to take your business to new levels.

Hear from our customers

"Our experience was very easy, no complaints - quick and very good. ECL’s financing is more fair for everyone, you know what your margin and costs are and can put it in a budget - it is more simple than other forms of financing which can be complicated for a small company."
David Anselm
Founder & CEO
"[The ECL team] was accessible and answered all my queries promptly. The process was extremely smooth and efficient. I had the most stress-free and comfortable funding experience. ‍The fact is that their product speaks for itself and is significantly ahead of the competition."
Kalyan Varma
CEO
"What I love about the ECL team is their rapid turnaround. The team was able to assess our case, and give me a decision within a week. And then once they made the decision, we had the money almost overnight."
Deb Noller
CEO
"We have been really happy with the funding ECL has given us. We were able to increase our growth by 150%. As a software startup, this funding was easier to access than a bank loan. This financing has been really the last push that we needed this year, so we are really eager to recommend ECL."
Luis F Sánchez
CEO
"I recommend ECL to our SaaS Founders Community. ECL has competitive rates, simple terms, minimal paperwork and most importantly, a remarkable speed of execution. We got the money in the bank in just a few days and without much effort!! ECL has helped us scale ahead of revenue."
Manik Mehta
Founder & CEO
"Our partnership with ECL has allowed us to fund investments in technology and customer success with tremendous ease and efficiency! ECL is an absolute game changer for non-dilutive funding. Bringing in equity investors early on can deprive you of the silence you need while building your product."
Rena Nigam
Founder & CEO