Sync automatically with accounting software you already use
Growing B2B businesses deserve a modern credit tool
Credit applications live in PDFs, monitoring are seldom done due to bandwidth and invoice reminders are tracked and sent manually. It's time to automate.
Level up your credit onboarding
Still emailing PDF applications? Approve new customers in minutes by leveraging automated fraud checks, bank verifications, and AI data room summaries.
Automatically monitor your customers with relevant, personalized insights
Leverage real-time alerts of your customers' changes: leadership changes, layoffs, trade payment trends, lawsuits, liens, and more - ll personalized summarized to you based on how important the customer is.
Collect your invoice more efficiently
Stop chasing invoices manually with email. Merclex Dunning writes dunning sequences, attaches invoices and gives friendly reminders. For those who still don't pay, auto forward to one of our collection agencies with all the invoices and details in tact.
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credit reviews
Free, AI native credit application
Leverage Merclex's AI native credit application that takes seconds to fill. And it's free.
Free, branded digital credit applications
Upload your form or use our form builder to create one and have it auto fill using the customer's domain and Merclex Credit Intelligence.
Built in automated fraud checks
Automated EIN look up, domain checks, Address matching against Google Maps, OFAC/sanctions checks, and domain age/reputation
Financial insights by Merclex AI
Collect data room requests, tell Merclex AI what you find to be important and receive summary and recommendations each time.
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credit monitoring
Continuous credit monitoring for B2B vendors
Merclex gives you continuous visibility into customer credit risk and accounts receivable - without digging through reports or waiting for invoices to go overdue.
AI Agents that monitor earnings summary
Monitor your customers' earnings calls and summarize revenue miss, leadership changes, major risks, and debt change
Real time alerts when major headcount changes
A sudden drop in headcount can often indicate the first sign of layoff which can be good to be notified among your customer base
Real-time, personalized summary of news of your customers
Not all news are relevant, and some are worse than others. Tell Merclex what's important to you and our AI Agent scores your customers' news and deliver only the most urgent ones to you.
Be in the know when key leadership changes
Be notified of key leadership departures or additions of executives which can often signal distress but also potential growth.
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collections
Level up your collection strategy
Utilize some of the best industry practices automatically to help collect more efficiently and effectively
Personalized email sequences to remind
Tell our AI of the tone you want to use, let it send emails & text reminders to your recipients both before and after the due date.
Nudge customers about tracked behavior on Merclex
Customers' reputation scores change based on their payment behavior. Give them a friendly reminder to incentivize them to pay or ask for payment plan.
Late fees auto calculated and optionally sent
Calculate the late penalty and interests and Merclex will auto-generate invoices and remind them of penalties to incentivize them to pay on time.
Forward over to collection agency in 1 click
For those who still don't pay, forward over to our collection agency network on an contingency basis with the contract, customer info and invoices already ready to forward with 1 click.
how it works
Proactive decisions beat reactive collections
From the moment a customer onboards, Merclex builds a behavioral profile that keeps your collections team ahead of every risk.
Powerd by Merclex Credit AI
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Credit Onboarding
60 second, AI-powered, custom designed credit apps with top of the line fraud checks + automated term recommendations
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Credit Monitoring
AI Agents that track hundreds of data points for all of your customers and surface only the most important ones
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Collections
Payment reminders, prompt discounts, and predictive cash flow based on past payment behaviors
testimonials
What Our Early Users Say
Merclex has completely shifted our approach from firefighting late payments to preventing them entirely. The early risk signals let us intervene weeks before issues escalate - it's like having a crystal ball for credit health.
Ryan Singh
CFO @ Finance Partners Inc.
Merclex has completely shifted our approach from firefighting late payments to preventing them entirely. The early risk signals let us intervene weeks before issues escalate - it's like having a crystal ball for credit health.
Maya Devi
Retail Dynamics
Merclex has completely shifted our approach from firefighting late payments to preventing them entirely. The early risk signals let us intervene weeks before issues escalate - it's like having a crystal ball for credit health.
Justin Cole
Financial Analyst @ Global Manufacturing Co
Merclex has completely shifted our approach from firefighting late payments to preventing them entirely. The early risk signals let us intervene weeks before issues escalate - it's like having a crystal ball for credit health.
Madelyn Lane
Business Development @BrightWave Tech
Merclex has completely shifted our approach from firefighting late payments to preventing them entirely. The early risk signals let us intervene weeks before issues escalate - it's like having a crystal ball for credit health.
Addison Gray
CFO @TechForge Solutions
