Master credit. Minimize risk. Empowering financial institutions with comprehensive credit reporting and risk assessment tools.
ULTIMUS Merit is a cloud-based credit information and reporting solution designed to provide financial institutions with a complete 360° view of a borrower’s credit history. By integrating data from multiple bureaus and cooperative sources, it enables smarter lending and improved profitability.
"All insights are delivered in real time to support faster approvals and stronger risk control."
Powerful features to assess risk, verify identity, and manage credit policies across your organization.
Includes loans, repayments, overdue amounts, suits, write-offs, and legal cases. Provides a complete financial profile.
Combines data from CIBIL, CRIF Highmark, and Cooperative society records.
Quick and accurate borrower identification. Reduces duplication and identity mismatches to speed up workflows.
Latest credit scores (300–900). Supports informed lending decisions.
Access default details from other societies. Improves peer-level intelligence.
Manage credit checks across multiple branches. Centralized control with branch-level visibility ensuring uniform policies.
Business impact that drives growth and stability.
Identify high-risk borrowers early and minimize non-performing assets.
Streamline the credit evaluation process for quicker loan disbursements.
Lower bad debts directly translate to a healthier bottom line.
Data-backed insights for confident and consistent lending policies.