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The basic level trainers are Foroch, at the Gottshaw Inn southwest of Kvatch, or Mach-Na who runs Mach-Na's Books in the business district of Cheydinhal. The medium level trainers are Margarte of the chapel of Zenithar, and Seed-Neeus of Chorrol.
They will refer the Hero of Kvatch to Palonirya once his or her skill level reaches 70. Palonirya runs Divine Elegance in the Imperial City. She looks in the pocketbook and if the Hero has more than 10,000 gold, she will train them. There are various ways to earn gold; the best idea is to do jobs around the various cities or Fighters Guild quests.
I need to speak with Palonirya in the Imperial City if I want her help training my Mercantile skill.
I need to prove to Palonirya that I have what it takes to succeed in business by showing her at least ten thousand gold.
Palonirya has agreed to train me.