Merit AI is quietly transforming financial inclusion. Created by the team behind RefuAid, we’re innovatively reshaping how credit is assessed by recognising potential that's often overlooked by traditional systems.

Building on RefuAid’s established success, over £2.7 million loaned with a remarkable 98% repayment rate, we’re committed to opening financial pathways that foster genuine economic and social impact. 

Together, we're creating a more inclusive financial future, one potential at a time.

Merit AI

Org chart

Teams

Offices