Built for results. Screen merchants in seconds, access funder-reported records, and protect your portfolio - all in one place.
DataMerch gives your team a datapoint that doesn't exist anywhere else — direct, funder-reported merchant history.
Scrub any federal tax ID number against our database and get immediate results on merchant history. Every record includes funder attribution, timestamps, and detailed notes — giving you full context before you commit capital.
Try it nowAs a member of the DataMerch community, easily enter records of merchant businesses with history. Help inform the community and incentivize collections. Enter directly on the web portal or automate your entries via the API.
Join the communityUse our suite of built in tools, designed specifically for the alternative financing industry, to maximize results.
Choose a planMonitor portfolio health with a real-time dashboard. See recent entries, trend analysis, and alerts. Integrated directly into your daily workflow so your team never misses a critical signal.
See it in ActionFrom application to informed decision — DataMerch fits seamlessly into your existing underwriting process.
Your funding company receives a new merchant application with EIN and business details.
Your team searches the business EIN and/or legal name in DataMerch.
View funder-reported records including defaults, suspicious activity, slow pay, and detailed notes.
Fund confidently knowing a merchant's history or save time up front.
Our record types go beyond traditional credit reports and fill in the gaps — capturing the nuanced risks unique to MCA and alternative financing.
Merchant failed to fulfill repayment obligations of original agreement. Ceased payments, had multiple returned ACH transactions, payment arrangements, or write-off account.
Altered documents, manipulated bank statements, or other misrepresentations.
Consistently missing and/or late payments.
Splitting daily processing payments across multiple funders without full disclosure to all parties.
Taking multiple advances in breach of contractual agreements.
Merchant satisfied the default reported by way of payment in full or settlement.
Hear from funders and underwriters who rely on DataMerch every day.
"DataMerch is my first check on every submission. If a merchant shows up for anything substantial, it's game over — we move on. The time and money it's saved us is immeasurable."
"The API integration was a game-changer. We built DataMerch screening into our pipeline — every app gets scrubbed before it reaches an underwriter. It allows us to avoid bad deals daily."
Connect DataMerch to your CRM, LOS, or underwriting platform. Automate merchant screening as part of your application intake. All members receive included API access.
# Search a merchant by FEIN import requests response = requests.get( "{API_URL}/search", headers={ "Authorization": f"Bearer {API_KEY}" }, params={"ein": "82-4XXXXXX"} ) data = response.json() if data["records"]: for r in data["records"]: print(f"⚠ {r['category']}: {r['notes']}") else: print("✓ No records found")
Join 300+ industry-leading funders who use DataMerch to protect their portfolios.