Delinquencies

Spot payment issues before they turn into defaults.
Merclex monitors delinquency signals to help teams identify late-payment behavior early and take action before exposure grows.

Trusted by over 50,000 companiesof all sizes

Early Warning for Payment Risk

Delinquencies don’t start at 90 days overdue.

Merclex tracks emerging late-payment patterns so teams can respond proactively instead of reacting after losses occur.

Payment & Delinquency Context in One Place

Merclex helps you see:

  • Late and missed payment patterns
  • Changes in payment behavior over time
  • Early-stage delinquency signals
  • Historical payment performance

This context helps teams separate temporary delays from real risk.

Built for Real Credit Management

Whether you’re monitoring existing accounts or onboarding new customers, Merclex gives you actionable visibility into payment behavior that impacts cash flow.

Privacy-First by Design

Delinquency insights are based on financial behavior and permissioned data only. No sensitive transaction content is exposed, and monitoring remains compliant.

Core capabilities

Manage risk and accelerate profitable growth

Our solutions are powered by world class capabilities, data and expertise.
Delinquency Monitoring

Track late-payment behavior as it develops.

Behavioral Trend Analysis

Identify worsening or improving payment patterns.

Early Risk Alerts

Get notified before issues escalate.

“Whether we’re evaluating new buyers, monitoring market trends, or ensuring the financial stability of our partners, Merclex Services is an essential resource in keeping our business strong and thriving.”

Matthew Austin
CFO at Heritage Produce Distributing
View case

“Whether we’re evaluating new buyers, monitoring market trends, or ensuring the financial stability of our partners, Merclex Services is an essential resource in keeping our business strong and thriving.”

Matthew Austin
CFO at Heritage Produce Distributing
View case

“Whether we’re evaluating new buyers, monitoring market trends, or ensuring the financial stability of our partners, Merclex Services is an essential resource in keeping our business strong and thriving.”

Matthew Austin
CFO at Heritage Produce Distributing
View case
For accounting and finance teams

How credit professionals use Merclex to manage their risk

FAQ

Frequently asked questions

Quick answers to common questions
How is Merclex different from other sales lead generation and credit providers?
What information do you offer in Merclex?
How much does a Merclex subscription cost annually?
How do I get started?
How do I get a listing in Merclex?
How does my company get rated?
Can Merclex help me with trading claims, collections and / or dispute resolution?

Stay Ahead
of Credit Risk

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