MeridianLink sells vertical SaaS software to mid-market financial institutions — primarily community banks, credit unions, mortgage lenders, specialty lenders, and consumer reporting agencies. The company's core product is MeridianLink One, an end-to-end digital lending platform covering loan origination, account opening, and decisioning across consumer loan types including auto, personal, credit card, home equity, mortgage, and business lending. Financial institutions use MeridianLink One to consolidate fragmented legacy systems onto a single platform, gaining a unified view of a customer's full loan portfolio and enabling automated decisioning and cross-sell capabilities. The second product line, Data Verification Software Solutions, serves CRAs with order fulfillment tools for credit, income, employment, and fraud verification data, connecting CRAs to data providers through a single API. Lending software accounts for roughly 80% of revenue, with data verification making up the remainder. MeridianLink earns revenue through subscriptions (~82-84% of total), professional services fees for implementation, and revenue sharing from third-party integrations on its Partner Marketplace. Subscription contracts are typically three-year terms with hybrid pricing — an annual base fee plus volume-based fees above contractual minimums — providing a revenue floor during downturns and upside when loan volumes recover. The primary growth motion is land-and-expand: winning new customers onto one or two modules, then cross-selling additional capabilities over time. MeridianLink has roughly 2,000 customers and targets mid-teens long-term growth, though near-term growth has been constrained by low mortgage and auto lending volumes.