Merclex is purpose-built for B2B trade businesses that extend credit terms - manufacturers, distributors, wholesalers, and service providers with recurring receivables. We work with growing teams that don't have an army of credit analysts and need automation to keep up with a larger portfolio. From a single AR manager up through enterprise credit departments, the platform scales with you.
Merclex is the modern credit and collections platform for B2B trade businesses. We help credit and AR managers do three things in one place:
- Credit Reviews - onboard new customers in minutes with AI-native digital applications, automated fraud checks, and data-room summaries.
- Credit Monitoring - track every active customer with AI agents that surface earnings call signals, headcount drops, leadership changes, and personalized news.
- Collections - automate dunning sequences, late fee calculations, and one-click handoff to collection agencies.
If your team is still emailing PDF credit apps, monitoring customers manually, and chasing invoices by hand, Merclex is built for you.
Same day for the basics. Sign up, connect your accounting system, send your first AI-native credit application in minutes. Monitoring agents start producing alerts as soon as your customer list syncs, and dunning sequences can be live within an hour of configuring tone and timing. Most teams are running their full credit-to-collections workflow within their first week
Yes - better than a trial. The free tier is the product. You can run real credit applications, fraud checks, and AI insights on your own customers before you ever upgrade. If you'd rather see a guided walkthrough first, you can book a demo from the site.
Most teams are sending live credit applications the same day they sign up. Accounting sync and monitoring usually take a few hours to a day to fully configure. Larger teams customizing dunning sequences, fee logic, and approval policies typically wrap setup inside two weeks. For more complex set-up, feel free to reach out to us at support@merclex.com and we will circle back within the same business day.
Sign up at merclex.com, sync your accounting software, and you're in. The typical flow:
- Create your free account (no credit card).
- Connect your accounting system so customers and invoices sync automatically.
- Upload your existing credit application form - or build a new one with our drag-and-drop builder - and start sending it to new customers.
- Turn on monitoring and dunning workflows when you're ready.
You don't need a sales rep or an implementation engineer to get started.
Customer and financial data is encrypted in transit and at rest, with role-based access controls so each user only sees what their role permits. Third-party data (EIN, OFAC, domain checks, news, earnings) is sourced under licensed agreements. Audit logs cover credit decisions and monitoring actions for internal review and reporting.
Merclex is freemium. You can use core features - including credit applications and basic checks - for free up to a usage threshold, with no credit card and no contract. Paid plans unlock higher volume, full monitoring agents, automated dunning, and collection agency forwarding. There are no setup fees and no long-term commitments to start. Reach out via merclex.com for paid plan pricing once your usage grows.
Most tools cover one slice - applications, or a credit bureau lookup, or AR automation. Merclex covers the full lifecycle (onboarding → monitoring → collections) in one workflow, powered by Merclex Credit AI. A few things that stand out:
- AI agents that read earnings calls, score news relevance, and flag headcount and leadership changes in real time.
- A truly free starting tier - no credit card, no sales call required.
- Auto-fill credit applications from a customer's domain, plus built-in EIN, OFAC, address, and domain reputation checks.
- One-click forwarding to our collection agency network with contracts and invoices already attached.
Merclex supports B2B businesses across the world today but strong in North America, with data coverage and integrations expanding into other regions. If you're evaluating us for customers outside North America, mention your geography in the demo or in-app chat and we'll confirm coverage and signal depth for that market.
The fastest path is to start free at merclex.com and use the in-app chat - your account context comes with the message. Prefer email or a call? Reach the team through the contact form on the site or book a demo directly. For pricing on higher-volume plans, your in-app chat or demo conversation is the right starting point.
All users get access to our Help Center, integration docs, and email support. Free-tier response times are typically within one business day. Paid plans add priority support and, at higher tiers, a dedicated account contact for setup, dunning configuration, and ongoing optimization.
