Overview
CrediMerge is a financial decision-support platform designed for gig workers, freelancers, and new-to-credit users. It combines cashflow analysis, multi-loan management, loan consolidation simulation, and AI-powered financial guidance, all explained in plain language. The platform analyzes actual cashflow patterns from UPI and bank transactions to build an explainable financial profile, rather than relying solely on traditional credit scoring. Key features include EMI and loan management, alternative credit health scoring, a consolidation simulator, and an AI financial assistant. The system is built with a React frontend, Node.js backend, Python analytics engine, and integrates with Google Gemini for AI chat.
Pricing
Free
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Use Cases
- Users with multiple loans can add, edit, and delete loans to manage their EMIs and view amortization schedules.
- Users can upload bank statements to receive a credit health score based on cashflow analysis.
- Users can simulate loan consolidation by comparing existing loans with a consolidated offer using live sliders.
- Users can interact with an AI assistant to get explanations about loans, EMIs, credit health, and consolidation trade-offs.
- Users can view a dashboard with financial snapshots including income, expenses, total EMI, and surplus.
- Users can generate PDF reports with full breakdown of their credit health analysis.
Features
Income and expense analysis
Explainable financial health scoring
Cash flow forecasting
Loan and EMI management
Loan consolidation simulations
Personalized credit guidance
Financial snapshot dashboard
Credit health PDF reports
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