CrediLinq's $8.5M Series A: A Leap into the Future of Embedded Finance
May 17, 2025, 3:33 am
In the fast-paced world of fintech, CrediLinq has made a significant splash. The Singapore-based company recently secured $8.5 million in a Series A funding round, a move that positions it as a key player in the embedded finance landscape. This funding round was led by OM/VC and MS&AD Ventures, with notable new investors like Citi North America and the Rustem Family Office joining the fray. Returning investors, including 500 Global, Epic Angels, 1982 VC, and Big Sky Capital, reaffirm their faith in CrediLinq's vision.
CrediLinq is not just another fintech startup. It’s a technology infrastructure company that offers a proprietary Credit-as-a-Service stack. This innovative approach allows B2B platforms and banks to create tailored financial products for merchants, particularly focusing on empowering underserved digital-native small and medium-sized enterprises (SMEs). The company’s mission is clear: to facilitate growth for these businesses by providing seamless access to capital.
The funds from this latest round will be strategically deployed. CrediLinq plans to accelerate its geographic expansion into the United States, United Kingdom, and Australia. These markets represent fertile ground for embedded finance, where digital platforms increasingly seek to offer integrated financial solutions. The company also aims to bolster its local presence in Singapore, hire senior talent across commercial, product, and tech sectors, and enhance its technology stack.
At the heart of CrediLinq’s offering is its AI-powered technology. The platform integrates into online ecosystems through APIs, leveraging real-time alternative data to provide credit solutions at the point of need. This means that SMEs can access funding quickly and efficiently, reducing the friction often associated with traditional lending processes. In a world where time is money, CrediLinq’s approach is akin to a well-oiled machine, streamlining operations for both lenders and borrowers.
The embedded finance sector is gaining momentum, and CrediLinq is at the forefront of this revolution. By embedding credit solutions within existing platforms, the company enhances user experience and drives higher engagement. This integration not only simplifies the borrowing process but also allows platform partners to monetize their services more effectively. The result? A win-win scenario where SMEs gain access to necessary funds, and platforms see increased stickiness and trust from their users.
CrediLinq’s solutions span various verticals, including procurement, supply chain, e-commerce, freelancing, banking, accounting, and payments. For instance, in the e-commerce realm, CrediLinq has established integrations with major players like Amazon, Lazada, and TikTok Shop. This wide-ranging applicability positions CrediLinq as a versatile player in the embedded finance space.
The company’s founders, Deep Singh and Vikram Kotibhaskar, are seasoned entrepreneurs with a clear vision. They understand the pulse of the market and the needs of SMEs. Their leadership is crucial as CrediLinq navigates the complexities of expansion and technology enhancement. With a focus on hiring top-tier talent, the company is poised to strengthen its capabilities in sales, marketing, and product development.
Investors are optimistic about CrediLinq’s trajectory. Mark Munoz, Managing Partner at OM/VC, expressed pride in supporting the company’s growth. He highlighted the innovative use of AI to drive positive revenue outcomes for clients, aligning with their investment philosophy. Similarly, Lee Smallwood from Citi noted that CrediLinq’s approach complements their goal of transforming financial services, emphasizing the potential for significant global impact.
The demand for embedded finance solutions is surging. As businesses increasingly shift to digital platforms, the need for integrated financial services becomes paramount. CrediLinq’s focus on embedding credit within digital workflows is not just timely; it’s essential. In a rapidly evolving digital economy, the ability to provide seamless, flexible, and transparent lending options is a game-changer.
CrediLinq’s commitment to continuous improvement is evident. A significant portion of the funding will be allocated to enhancing its technology stack, particularly its AI-led credit algorithms. These algorithms utilize a wealth of data—from platform interactions to unstructured data—aiming to reduce non-performing loans and improve collections. This proactive approach to risk management is crucial in maintaining the health of the lending ecosystem.
As CrediLinq embarks on this new chapter, the fintech community will be watching closely. The company’s ability to execute its expansion plans and enhance its technology will be pivotal. With a strong foundation and a clear vision, CrediLinq is not just participating in the embedded finance revolution; it’s leading the charge.
In conclusion, CrediLinq’s $8.5 million Series A funding is more than just a financial milestone. It’s a testament to the growing importance of embedded finance in the digital age. As the company scales its operations and refines its technology, it stands ready to empower SMEs worldwide. The future looks bright for CrediLinq, and the journey has only just begun.
CrediLinq is not just another fintech startup. It’s a technology infrastructure company that offers a proprietary Credit-as-a-Service stack. This innovative approach allows B2B platforms and banks to create tailored financial products for merchants, particularly focusing on empowering underserved digital-native small and medium-sized enterprises (SMEs). The company’s mission is clear: to facilitate growth for these businesses by providing seamless access to capital.
The funds from this latest round will be strategically deployed. CrediLinq plans to accelerate its geographic expansion into the United States, United Kingdom, and Australia. These markets represent fertile ground for embedded finance, where digital platforms increasingly seek to offer integrated financial solutions. The company also aims to bolster its local presence in Singapore, hire senior talent across commercial, product, and tech sectors, and enhance its technology stack.
At the heart of CrediLinq’s offering is its AI-powered technology. The platform integrates into online ecosystems through APIs, leveraging real-time alternative data to provide credit solutions at the point of need. This means that SMEs can access funding quickly and efficiently, reducing the friction often associated with traditional lending processes. In a world where time is money, CrediLinq’s approach is akin to a well-oiled machine, streamlining operations for both lenders and borrowers.
The embedded finance sector is gaining momentum, and CrediLinq is at the forefront of this revolution. By embedding credit solutions within existing platforms, the company enhances user experience and drives higher engagement. This integration not only simplifies the borrowing process but also allows platform partners to monetize their services more effectively. The result? A win-win scenario where SMEs gain access to necessary funds, and platforms see increased stickiness and trust from their users.
CrediLinq’s solutions span various verticals, including procurement, supply chain, e-commerce, freelancing, banking, accounting, and payments. For instance, in the e-commerce realm, CrediLinq has established integrations with major players like Amazon, Lazada, and TikTok Shop. This wide-ranging applicability positions CrediLinq as a versatile player in the embedded finance space.
The company’s founders, Deep Singh and Vikram Kotibhaskar, are seasoned entrepreneurs with a clear vision. They understand the pulse of the market and the needs of SMEs. Their leadership is crucial as CrediLinq navigates the complexities of expansion and technology enhancement. With a focus on hiring top-tier talent, the company is poised to strengthen its capabilities in sales, marketing, and product development.
Investors are optimistic about CrediLinq’s trajectory. Mark Munoz, Managing Partner at OM/VC, expressed pride in supporting the company’s growth. He highlighted the innovative use of AI to drive positive revenue outcomes for clients, aligning with their investment philosophy. Similarly, Lee Smallwood from Citi noted that CrediLinq’s approach complements their goal of transforming financial services, emphasizing the potential for significant global impact.
The demand for embedded finance solutions is surging. As businesses increasingly shift to digital platforms, the need for integrated financial services becomes paramount. CrediLinq’s focus on embedding credit within digital workflows is not just timely; it’s essential. In a rapidly evolving digital economy, the ability to provide seamless, flexible, and transparent lending options is a game-changer.
CrediLinq’s commitment to continuous improvement is evident. A significant portion of the funding will be allocated to enhancing its technology stack, particularly its AI-led credit algorithms. These algorithms utilize a wealth of data—from platform interactions to unstructured data—aiming to reduce non-performing loans and improve collections. This proactive approach to risk management is crucial in maintaining the health of the lending ecosystem.
As CrediLinq embarks on this new chapter, the fintech community will be watching closely. The company’s ability to execute its expansion plans and enhance its technology will be pivotal. With a strong foundation and a clear vision, CrediLinq is not just participating in the embedded finance revolution; it’s leading the charge.
In conclusion, CrediLinq’s $8.5 million Series A funding is more than just a financial milestone. It’s a testament to the growing importance of embedded finance in the digital age. As the company scales its operations and refines its technology, it stands ready to empower SMEs worldwide. The future looks bright for CrediLinq, and the journey has only just begun.