CrediLinq.Ai

CrediLinq.Ai is a Singapore-headquartered technology infrastructure firm specializing in embedded finance solutions for B2B platforms. Founded in 2020 by Deep Singh, a former banker, and Vikram Kotibhaskar, a veteran of GE and Standard Chartered, the company was established to address the difficulties digital-first small and medium-sized enterprises (SMEs) face in accessing traditional credit. The founders identified a gap where conventional underwriting, reliant on traditional income documents, failed to serve the growing number of platform-based businesses, and they set out to build a system based on alternative data.

The company operates on a Credit-as-a-Service (CaaS) model, providing an API-centric infrastructure that allows B2B marketplaces and platforms to integrate white-labeled financing solutions directly into their ecosystems. This enables platform partners—spanning e-commerce, procurement, supply chain, and freelance marketplaces—to offer credit to their SME customers at the point of need. CrediLinq's revenue is generated through this embedded finance model, which helps its platform partners increase customer loyalty, order volumes, and monetization. The core of its service is a proprietary credit assessment engine that uses artificial intelligence and machine learning to analyze hundreds of alternative data points, such as a business's real-time digital footprint, sales data, and transaction history, to determine creditworthiness. This data-driven approach allows for rapid and more accurate risk modeling compared to traditional methods.

CrediLinq offers several financing products, including B2B PayLater, which allows buyers to defer payment while sellers are paid immediately, and GMV (Gross Merchandise Value) Financing. Since its inception, the company has secured significant funding, including a $2.6 million seed round in 2022 and an $8.5 million Series A round in May 2025, led by OM/VC and MS&AD Ventures, with participation from investors like Citi North America. These funds are designated for geographic expansion into the U.S., U.K., and Australia, as well as for enhancing its technology stack and AI-led credit algorithms.

Keywords: embedded finance, Credit-as-a-Service, B2B financing, SME lending, fintech infrastructure, alternative data, credit scoring, API-first, B2B PayLater, GMV financing, trade finance, working capital, supply chain finance, e-commerce financing, platform lending, financial technology, credit underwriting, marketplace lending, Singapore, Deep Singh