Our Philosophy Mercury Advance is a funding company dedicated to ensuring businesses like yours have the working capital they need to keep your business thriving. Whether you need funding to pay off debt or cover payroll, or are seeking working capital to buy new equipment or expand your business, we can provide you with funds when your bank says no. Why We Do This Best of all, our terms do not rely on your credit rating and we can secure funding for you in just days instead of months. With no personal collateral required and a simple application process, Mercury Advance has made the process easy for you.