CrediLinq, an AI-driven embedded finance platform, has successfully raised $8.5m in a Series A funding round, led by OMVC and MS&AD Ventures.
New investors such as Citi North America and Rustem Family Office joined, alongside returning investors including 500 Global and Epic Angels.
CrediLinq aims to use the funding to enhance its reach and technology capabilities, with plans to expand geographically, initially focused on the US, followed by the UK and Australia.
The company intends to collaborate with larger digital platforms in these regions to increase user engagement, allowing digital businesses to access growth capital more efficiently.
CrediLinq founder and Group CEO Deep Singh said: “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.”
CrediLinq will allocate a portion of the funds to strengthen its leadership in sales, marketing, and technology.
It also plans to enhance its technology stack, focusing on AI-led credit algorithms that utilise SMEs’ digital footprints to reduce non-performing loans and improve efficiency.
The company’s solutions are designed to integrate across various platforms, including procurement, supply chain, and e-commerce marketplaces.
The platform already has partnerships with major marketplaces such as Amazon, Lazada, and TikTok Shop, demonstrating its comprehensive reach.
The company holds a Capital Markets Services License from the Monetary Authority of Singapore, and its Credit-as-a-Service stack helps create financial products for merchants.
Furthermore, CrediLinq is a member of the Singapore Fintech Association, reinforcing its commitment to secure and innovative financial solutions.
CrediLinq co-founder Vikram Kotibhaskar said: “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 monetise 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.”
