CrediLinq, the AI-powered embedded finance platform that is enabling access to growth capital for underserved digital-first SMEs globally, announced the close of its $8.5 million Series A funding round.
The funding round was led by OM/VC and MS&AD Ventures.
New investors include Citi North America and Rustem Family office.
Returning investors include 500 Global, Epic Angels, 1982 VC and Big Sky Capital.
CrediLinq will accelerate geographic expansion, “starting with the United States and subsequently into the United Kingdom and Australia.”
The company will look to partner with “larger digital platforms in these markets to drive user growth, enabling digitally native businesses transacting on platforms to access capital.”
In addition, CrediLinq will “strengthen its leadership bench in sales, marketing, product and tech to support expansion in the target markets.”
A significant portion of the funds will also be “invested in enhancing the company’s technology stack — with continual improvement of AI-led credit algorithms that use the SME’s real-time digital footprint including platform data, unstructured data, bureau information and the like, to reduce non-performing loans (NPLs), improve ‘Default On’ collections, and build agentic workflows to drive efficiency.”
Deep Singh, Founder and Group CEO of CrediLinq, remarked:
“Today marks a pivotal moment for CrediLinq as we accelerate the growth of embedded finance globally, helping platforms empower digital native SMEs with flexible, transparent and more seamless access to capital. With this new funding, we are excited to deepen our partnerships, expand into new markets, and invest in senior talent and technology infrastructure that will support the next phase of our growth.”
Vikram Kotibhaskar, Co-Founder of CrediLinq. added:
“The embedded credit revolution continues to gain momentum, and CrediLinq is at the forefront of this innovation. By being integrated within platforms, our Credit-as-a-Service stack leverages API connectivity, transactional data and credit algorithms for quick decision-making at the point of need and offers easy checkout within the partner ecosystem. This results in a fast, frictionless and transparent customer experience and more ways for platforms to monetize their business. Our agentic workflows also drive efficiency and continuous monitoring to keep loan losses low. Platform partners benefit with higher stickiness, trust, and scalability that drives up GMV.”
CrediLinq’s solutions can be embedded across platforms “that cover verticals of procurement, supply chain, e-commerce marketplaces, freelance platforms, banking, accounting, and payments.”
In the e-commerce space for example, CrediLinq has integrations “with key marketplaces such as Amazon, Lazada and TikTok Shop.”
As noted in the update, CrediLinq is a technology infrastructure company with a “proprietary Credit-as-a-Service stack.”
Their API-centric approach enables B2B platforms and banks to “build financial products for merchants, enabling the financial empowerment of underserved digital native SMEs to build, grow and scale their business.”
What sets CrediLinq apart is embedding lending solutions “within these platforms and harnessing the platform’s real-time alternative data, to offer business owners swift access to funding through AI-driven credit decisioning and agentic workflows.”
This empowers SMEs to manage cash flow by “accessing seamless, flexible and transparent lending options.”
The company reportedly holds a Capital Markets Services License “under the Monetary Authority of Singapore (MAS), enabling it to raise and deploy institutional capital to support SME growth.”
CrediLinq is ISO 27001 certified for “information security management and is a member of the Singapore Fintech Association.”