See your business financial picture. Unlock what's next.
MerchantIQ reads your transactions and shows you the full picture: cash flow, costs, and where you stand for financing. Free, in minutes, with no application required.
Get My Free Snapshot
Whether or not you're applying for funding, get a free MerchantIQ Snapshot of your business.
Takes about 5 minutes to connect and get a free business overview.
Get a free, complete look at your business's financial Profile.
MerchantIQ securely connects to your bank account (read-only) and turns your everyday transactions into a clear picture of how your business is really doing. No funding application required.
 Uncover fees and processing costs you're paying without realizing it See your real cash flow and revenue trends, not just your balance Understand your payment processing and payroll patterns Know your existing credit and working-capital position
How it works
Step 1:
Connect your transactions
Securely link your bank account with Plaid (read-only) or upload a CSV. We never move money or make changes we only read your activity.
Step 2:
Get your financial profile
MerchantIQ turns your everyday transactions into a clear snapshot: cash flow trends, processing costs, payroll patterns, and your current credit position.
Step 3:
See your options
Based on your real numbers, discover how ready your business is for financing — and get matched with personalized products and offers from trusted partners.
Start My Free Analysis
Turn your numbers into your next move
MerchantIQ doesn't just show you data, it shows you what to do with it.
Know where you stand:
See exactly how lenders view your business, so you're never guessing about your chances before you apply.
Stop leaving money on the table:
Spot hidden fees, rising processing costs, and cash flow gaps you can fix today.
Get offers matched to you:
Instead of one-size-fits-all products, get financing options and financial products tailored to your business's real profile.
Move when you're ready:
No pressure, no obligation. Use your snapshot to plan ahead and act when the timing is right for you.

The answers to your questions.

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What does your platform do?

Our software helps banks, payment companies, and vertical SaaS platforms automatically cross-sell financial and non-financial products to their existing small business customers. We use real-time data, behavioral insights, and prebuilt workflows to boost product adoption and lifetime value.

Who is this built for?

We serve commercial banks, payment processors, and software companies that have small business customers and want to drive deeper engagement and revenue through embedded product cross-sell.

What kinds of products can be cross-sold?

We support a wide range of financial products including business loans, credit cards, savings accounts, merchant services, and treasury products. We also help you cross-sell your own core or partner services to merchants.

How is this different from a CRM or marketing tool?

Unlike generic CRM or campaign tools, our platform is purpose-built for product penetration and wallet share. It identifies the right customer, the right product, and the right moment—then delivers it automatically, with minimal lift from your team.

What data do you need to get started?

We typically use merchant transaction data, product usage history, and engagement patterns. Our platform integrates easily with your existing systems to extract and analyze this data securely.

How long does it take to implement?

Most customers are live in under 30 days. We offer preconfigured modules for fast deployment and can tailor workflows to your products and policies.

Is this secure and compliant?

Yes. We follow strict data privacy and security protocols, including encryption and role-based access controls. Our solution is SOC 2-ready and supports your regulatory obligations.

How do I see this in action?

We’d be happy to show you a demo customized to your use case.

Book a demo