Ultima Finance / Our Approach
How we assess applications
Ultima Finance uses a systematic approach to assessing applications, which allows decisions to be made quickly while maintaining consistent principles for all clients.
We do not limit ourselves to basic parameters — the assessment is based on a combination of factors that reflect the real financial situation.
This approach reduces the influence of random factors and makes the process more predictable for both the client and the company.
5 factors
In assessment
~3 min
Decision
100%
Online
What is considered
What data is taken into account
When assessing an application, not one indicator is considered, but their combination. This allows a more accurate picture of the financial situation and risk level.
Combination of factors
allows forming conditions that can be met without excessive burden.
- 01Income or turnover
- 02Stability of receipts
- 03Current financial load
- 04Interaction history
- 05Selected financing parameters
How this affects the conditions
The assessment results directly affect the parameters of the offer. Based on them, the available amount, term and cost of financing are determined.
Clear in advance
All parameters are known before confirmation — the load can be assessed in advance.
Proportionate to capabilities
Conditions are formed based on the client's real financial indicators.
Stable
Do not change throughout the entire term after confirmation.
Repeat applications
Repeat applications
For repeat applications, the previous interaction experience is taken into account. Timely fulfillment of obligations forms a positive history that influences subsequent decisions.
Base conditions
- Standard assessment
- Standard process
Positive history
- Affects the next decision
- Considered in assessment
Improved conditions
- More flexible conditions
- Increased available amount
- Simplified process
Thus, interaction with Ultima Finance becomes more predictable and convenient with each subsequent application.