CrediLinq, an AI-based embedded finance platform that is transforming access to growth capital for underserved digital-first SMEs globally, announced the closing of a $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. And returning investors include 500 Global, Epic Angels, 1982 VC and Big Sky Capital.
CrediLinq’s solutions can be integrated across platforms that cover verticals of procurement, supply chain, e-commerce marketplaces, freelance platforms, banking, accounting, and payments. And in the e-commerce space for example, CrediLinq has integrations with key marketplaces such as Amazon, Lazada and TikTok Shop.
What the funding will be used for: CrediLinq will immediately accelerate geographic expansion, starting with the US and subsequently into the UK and Australia. And 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.
The company will also strengthen its leadership bench in sales, marketing, product and tech to support expansion in the target markets. A major 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.
KEY QUOTES:
“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.”
Deep Singh, Founder and Group CEO of CrediLinq
“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.”
Vikram Kotibhaskar, Co-Founder of CrediLinq
“As a long-term investor in Credilinq, we’re proud to support their growth into a global leader in credit-as-a-service. Their innovative use of technologies like AI to drive positive revenue outcomes for clients is aligned with our investment philosophy. It’s also encouraging to see that many of its users have reported consistent, immediate ROI from their crediting platforms, underscoring the value that Credilinq is delivering at scale.”
Mark Munoz, Managing Partner at OM/VC
“CrediLinq’s innovative approach to embedded finance leverages AI to provide seamless credit solutions for digital-first SMEs, which complements our goal to transform financial services. Their platform’s ability to integrate into diverse digital ecosystems positions them to make a significant impact globally.”
Lee Smallwood, Global Head of Markets Innovation & Investments at Citi
“CrediLinq’s AI-driven platform offers a scalable solution to B2B platforms that want to embed lending as a complementary, value-add offering. Their focus on embedding credit within digital workflows is exactly what today’s rapidly evolving digital economy demands.”
Jon Soberg, Managing Partner at MS&AD Ventures
“We first backed CrediLinq in 2022 and are doubling down as they scale their AI-powered platform globally. Deep and his team bring exceptional domain expertise and execution, having already built a trusted, scalable model for embedded finance that allows them to expand beyond Southeast Asia.”
Vishal Harnal, Managing Partner at 500 Global
