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§ Private Profile · Singapore, Central Region, Singapore
B2B SaaS lending infrastructure providing AI credit algorithms for banks and digital platforms, focused on embedded credit.
Based in Singapore, CrediLinq.Ai provides modular, API-first lending infrastructure and artificial intelligence-driven credit algorithms that enable banks, marketplaces, and digital platforms to launch embedded credit products. The company operates a business-to-business software-as-a-service model, offering white-label solutions for invoice financing, business-to-business buy-now-pay-later programs, freelancer loans, and working capital lines through usage-based or licensing fees. Its credit-as-a-service stack utilizes alternative data, agentic workflows, and contextual decisioning to facilitate seamless financing for underserved small and medium-sized enterprises, including processing micro-loans as low as $100 for women entrepreneurs in Indonesia. To support its ongoing expansion, the enterprise has secured financial backing from a syndicate of more than 17 investors, featuring recognizable institutions and networks such as Citi, 500 Global, MS&AD Ventures, Epic Angels Network, and the Rustem Family Office. CrediLinq.Ai was founded in 2021 by Deep Singh and Vikram Kotibhaskar.
CrediLinq.Ai has raised $13.0M across 3 funding rounds.
CrediLinq.Ai has raised $13.0M in total across 3 funding rounds.
CrediLinq.Ai has raised $13.0M in total across 3 funding rounds.
CrediLinq.Ai's investors include MS&AD Ventures, Mark Munoz, 1982 Ventures, 500 Startups, Airbus Ventures, Dream Ventures VC, Saxena Capital, Starting Line, VU Venture Partners, Vishal Harnal, Big Sky Capital, Lee Smallwood.
CrediLinq.Ai has raised $13.0M across 3 funding rounds. Most recently, it raised $9.0M Series A in May 2025.
| Date | Round | Lead Investors | Other Investors | Status |
|---|---|---|---|---|
| May 1, 2025 | $9M Series A | MS&AD Ventures, Mark Munoz | 1982 Ventures, 500 Startups, Airbus Ventures, Dream Ventures VC, Saxena Capital, Starting Line, VU Venture Partners, Vishal Harnal, BIG SKY Capital, LEE Smallwood, Epic Angels, Rustem Family Office | Announced |
| Jul 1, 2022 | $3M Seed | — | 1982 Ventures, 2XN, Coelius Capital, Crosslink Capital, Eclipse Ventures, Golden Ventures, Greg Brockman, IA Capital Group, Immad Akhund, Jeff Seibert, Kyle Vogt, Lemnos Labs, Matt Brezina, MS&AD Ventures, Pareto Holdings, Polychain Capital, Queensbridge Venture Partners, Quiet Capital, UpHonest Capital, Wayne Chang | Announced |
| Jul 15, 2021 | $1M Venture Round | — | Aerion Technologies, Brandon TEE, Sandeep Uberoi | Announced |
CrediLinq.Ai is an AI-powered Credit-as-a-Service (CaaS) platform that enables B2B platforms to embed real-time financing solutions for underserved digital-native SMEs, transforming credit underwriting with alternative data, machine learning, and graph analytics.[1][2][4] Headquartered in Singapore with operations in the USA, UK, Australia, and Hong Kong, it serves marketplaces (e.g., Amazon, Lazada, TikTok Shop), logistics, procurement, supply chain, freelance platforms, banking, accounting, and payments, offering fast approvals up to $2M in 24 hours with flexible 30-120 day terms and no bank statements required.[1][4][5] The company solves the problem of traditional credit ecosystems failing digital-first SMEs by providing seamless, transparent, API-first integrations that unlock growth capital at the point of need, driving higher GMV, customer stickiness, and platform monetization.[1][2][5]
Founded in 2020-2021, CrediLinq has shown strong momentum, raising $8.5M in Series A funding to enhance AI algorithms, reduce NPLs, and expand leadership in sales, marketing, product, and tech across target markets.[2][5][6]
CrediLinq.Ai was founded in early 2021 (incorporated January 11, 2021, in Singapore) by Deep Singh (Group CEO) and Vikram Kotibhaskar, both with deep fintech and finance backgrounds, stemming from their conviction that traditional credit systems inadequately serve digital-native SMEs.[1][2][6] The idea emerged as digital SMEs struggled with banks' outdated models during the 2020 shift to online commerce, prompting the duo to build an infrastructure allowing platforms to become lenders via embedded finance.[1][2]
Early traction came from targeting e-commerce and B2B platforms, with integrations into major marketplaces and a focus on Asia-Pacific growth; a pivotal moment was the 2023-2024 Series A raise, fueling tech enhancements and global expansion.[2][5][6]
CrediLinq rides the embedded finance wave, where platforms monetize data via integrated lending, accelerated by post-2020 digital commerce shifts and SMEs' funding gaps amid rising e-commerce (e.g., TikTok Shop, Amazon).[2][5] Timing is ideal as B2B moves platform-native, with AI enabling real-time, low-risk credit amid high interest rates and bank conservatism, fostering inclusive growth for underserved SMEs in Asia and beyond.[1][2][3]
It influences the ecosystem by democratizing capital—turning marketplaces into lenders, reducing friction, and unlocking GMV—while advancing AI credit models that lower defaults and scale globally, positioning it as infrastructure for the digital economy's B2B lending future.[1][2][5]
CrediLinq is primed to dominate Asia as the top CaaS provider, leveraging Series A funds for AI upgrades, agentic workflows, and market penetration in e-commerce hotspots.[3][5] Trends like AI credit intelligence, platform economies, and SME digitization will propel it, potentially expanding to new verticals (e.g., freelance, accounting) and securing larger facilities amid embedded finance's momentum.[2][5]
Its influence may evolve into a global standard for B2B embedded lending, empowering digital platforms to fuel sustainable SME growth without traditional barriers—reimagining credit as the growth engine it was always meant to be.[1][2]