Merble
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Merble is a platform that detects real-time borrower intent signals and surfaces ranked loan opportunities, connecting to CRM, loan origination, and core banking systems so lending teams can engage borrowers before they shop elsewhere. It serves banks, credit unions, mortgage brokers, and fintech lenders across mortgage, home equity, and other loan products.</parameter> <parameter name="founders">[]
Founders & leadership
Investors · 2
Company profile
researched Aug 2026Merble is a software platform for lending institutions that operates upstream of the loan application, identifying and activating borrower demand before a formal application is submitted. The product continuously monitors borrower-level signals that indicate readiness to borrow — such as transaction patterns, property events and inquiry signals — scores readiness, and routes qualified prospects toward pre-qualification and pre-approval.
The platform pairs intent detection with automated, context-aware outreach, so lending teams can trigger messages that reference the specific signal driving demand, and with an end-to-end flow that carries a borrower from first signal through pre-qualification and handoff into existing lending workflows. Merble presents loan officers with a prioritized, real-time feed of ready-to-act prospects, intent context explaining the trigger (purchase activity, refinance intent, equity access or other events), and one-click outreach or pre-approval initiation. For institution-level users, it offers visibility into where loan demand is forming across branches, markets and products, conversion intelligence tracking which signals lead to conversations, pre-quals and funded loans, and rule-based controls over outreach, pre-qualification and routing intended to support compliance and consistency.
Business model
Merble sells its platform to lending institutions, positioning itself as an AI growth platform that integrates with the systems lenders already use rather than replacing them.
Traction
The company cites approximately 30 days earlier borrower engagement, more than 1,000 signals processed daily, and a 5x increase in timely conversations, alongside testimonials attributed to lending executives at community banks, credit unions, a national mortgage broker and a fintech lender."}</parameter>
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▸Full profile — market position, technology, go-to-market
Market position
Merble positions itself upstream of the loan application funnel, as an alternative to waiting for inbound applications or purchasing demand/leads.
The company differentiates on acting before borrowers formally apply or begin rate shopping — detecting intent early, explaining the signal behind each opportunity, and automatically advancing borrowers to pre-approval without added headcount — while operating inside existing CRM, LOS and core banking workflows.
Technology
The system monitors borrower-level signals in real time — including transaction patterns, property events and inquiry signals — to detect intent and score borrower readiness, then automates personalized outreach and progression into pre-qualification. It integrates with customer CRM, loan origination (LOS) and core banking systems.
Go-to-market
Direct sales motion driven from the company website, with demo requests as the primary conversion path, supported by customer testimonials from lending executives and a blog.
Credit unions, community banks, mortgage brokers and fintech lenders, with users spanning individual loan officers and institution-level lending, product and operations leadership.
Compiled by commissioned research from 1 cited public sources — announcements, filings, and press listed under research sources below.
▸Research sources · 1
primary sources listed
- Merblemerble.ai · web
1 public sources were cited for this profile; the first-party ones are listed here.
Frequently asked questions
- What does Merble do?
- Merble is an AI platform that detects borrower intent signals and moves prospects from demand to pre-approval for lenders.
- Who founded Merble?
- Merble was founded by Sabhya Katia, Shivam Goyal.
- Who are Merble's investors?
- Merble's investors include Entrepreneurs Roundtable Accelerator (ERA), Evolution VC Partners.