Heath Ledgerv1.0.0

A SaaS company uses Mercury for banking and Stripe for payments. This skill automates pulling transactions, categorizing revenue and expenses (like AWS costs and software subscriptions), and generating monthly financial statements (P&L, Balance Sheet, Cash Flow) for investor reporting. Connecting Stripe API ensures accurate revenue and fee tracking.

A consulting business with Mercury accounts needs quarterly books for tax purposes. The skill pulls bank transactions, categorizes client payments and operational expenses (e.g., marketing, office supplies), and produces Excel workbooks. Rule-based categorization learns from recurring vendors to reduce manual review over time.

An e-commerce retailer uses Mercury for business banking. This skill helps generate annual financial statements by categorizing sales deposits, inventory purchases, and shipping costs. Without Stripe API, it estimates gross revenue from net deposits; with Stripe, it pulls exact data for precise P&L analysis.

A freelancer with a Mercury account needs to track income and expenses for tax deductions. The skill pulls transactions, uses AI and rules to categorize items like software tools and client payments, and allows manual corrections via set_category.sh. It simplifies bookkeeping without deep accounting knowledge.

A non-profit using Mercury for donations and expenses uses this skill to generate financial statements for grant reporting. It categorizes donation inflows and program expenses, with accrual or cash basis accounting options. The learning system improves accuracy as more transactions are processed.

Businesses with recurring revenue via subscriptions (e.g., software, memberships). This skill categorizes monthly Stripe deposits as revenue and tracks expenses like hosting and salaries. It supports accrual accounting for deferred revenue recognition and generates P&L statements to monitor profitability.

Firms billing clients for hourly or project-based services. The skill categorizes client payments as revenue and expenses like software and contractor wages. It uses cash or accrual basis to match revenue with service periods, aiding in cash flow management and financial reporting.

Businesses selling physical or digital products online. This skill tracks sales revenue (via Stripe or Mercury deposits), categorizes costs like inventory and shipping, and handles fee estimation without Stripe API. It generates balance sheets to monitor inventory assets and cash flow statements.