Real-Time, AI-Powered Credit Intelligence for B2B Teams

Merclex is an AI powered credit monitoring platform for B2B teams that track your customers' financial health, people changes, and news to spot early risk signals and stay ahead of late payments with real-time alerts that's highly relevant to you

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Trusted by over 10,000 companies of all sizes to track their customers and competitors
What Merclex Does

Always Know Which Customers Need Attention

Merclex gives you continuous visibility into customer credit risk and accounts receivable - without digging through reports or waiting for invoices to go overdue.

From a single dashboard, your team can:
See which customers are trending riskier over time
Track outstanding exposure and overdue invoices in context
Get notified when something important changes
Focus attention where it actually matters
No noise. No manual monitoring. Just clear, timely signals.
What Merclex Does

Continuous Credit Monitoring
for B2B Vendors

Merclex consolidates financial, behavioral, and risk data into a single view - so your team always knows which customers need attention before cash flow is impacted.

AI Agents that Summarize Earnings Summary
Merclex AI agents monitor your customers' earnings calls + transcripts and summarize points that you would find important, like revenue miss, leadership changes, major risks, and debt changes (show recent earnings summary)
Monitor People Changes as soon as they happen
Merclex AI Agents will monitor major people changes, including layoffs, leadership departures, and also suggest people in the company you can contact to escalate unpaid invoices
Customer Credit Health Dashboard
Monitor customers over time with risk indicators based on payment behavior, aging exposure and external signals
Real time Risk Alerts
Track risks of your customers with real-time news and macro signals
Email & Communication Signals
AI will auto summarize based on email all the the disputes & communications from the customers
Accounting Integrations
40+ ERP and accounting software integrations for <5 minute integration into Merclex
What Merclex Does

Built for the Way Finance Teams Actually Work

Merclex consolidates financial, behavioral, and risk data into a single view - so your team always knows which customers need attention before cash flow is impacted.

For Credit Managers

Spot deteriorating accounts early and adjust credit terms with confidence

For AR & Finance Ops

Get notified if any of your customers start stretching their AP among similar vendors and if any of them will be negatively affected by macro trends
What Merclex Does

Proactive decisions beat reactive collections.

Automatic real time signal of your customers’ financial health
Fewer surprise defaults and write-offs
External macro trends like tariff and natural disasters
Less manual monitoring, fewer blind spots
Reviews

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.”
Jim Kirkpatrick
Executive Vice President and Chief Financial Officer in Shaw Industries
“Merclex has given our AR department unprecedented foresight. We no longer wait for invoices to become delinquent - we spot rising risk signals well in advance and can address them proactively with clients. It’s reduced our DSO significantly and given us real confidence in forecasting.”
Josh Rombach
Chief Financial Officer in Lunar Solar
“The biggest game-changer with Merclex is shifting from reactive collections to true risk anticipation. We now see patterns and warning signs weeks before they impact our receivables, allowing us to take preventive steps and maintain healthier client relationships.”
Nancy Millett
Chief Financial Officer in Engineered Floors

Stay Ahead
of Credit Risk

See how Merclex helps finance teams spot trouble early and protect cash flow.
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