Mercury for small portfolios (1–5 listings)
Hosts with 1–5 short-term rental listings looking for software that scales with them, not against them.
Our verdict for small portfolios (1–5 listings)
Great fit
If you operate 1–10 STR listings under a U.S. LLC, the free tier gives you a no-fee operating account that flows directly into your bookkeeping stack.
Why it fits you
- Free checking with no minimums fits low-volume operating accounts
- Direct QuickBooks/Xero sync handles small-host bookkeeping with minimal manual entry
- API access is unusual at this size and price point
What might bite you
- If you take any cash payments on-site, you cannot deposit them
Best-for-you alternatives at this size
- Baselane Great fit
Baselane's free Core plan is tailor-made for you — get banking, bookkeeping, and rent collection without paying a dime.
From $0/mo • No free trial · Best free banking and bookkeeping layer for independent rental owners
- Brex Consider alternatives
If you're a sole-proprietor host or unincorporated partnership, you can't get a Brex card — eligibility is a hard wall, not a soft preference.
From $0 • No free trial · A solid corporate card for incorporated STR companies — but not an STR tool
Still think Mercury is right for you?
From $0 • No free trial