Embedded finance provider CrediLinq from Singapore has gathered $8.5 million in a recent Series A round. OM/VC and MS&AD Ventures, who led this round, are helping the company move faster into the United States, the United Kingdom, and Australia. A greater number of investors are now trusting AI-driven credit solutions designed for digital-only companies.
Scaling Embedded Finance Through AI
Through CrediLinq, digital markets, stores, and freelance hubs can connect SMEs to fast working capital and credit in a single place. With the help of artificial intelligence, the company evaluates the creditworthiness of potential borrowers using fresh data, unusual inputs, and bureau statistics. AI is used to eliminate unrecoverable loans, increase the recovery of loan,s and offer easy solutions to borrowers.
Not only can credit decisions be delivered at the right time, but the API links exactly as the firm expected. Users enjoy fast, open loan processing with little effort required. The company said that the platform has already performed well across Southeast Asia and is now ready to be launched in major markets like the U.S.
Strategic Use of Funds
CrediLinq plans to invest the new capital into a number of growth projects. A lot of the money will be used to grow the company in North America, starting with the United States. Its goal is to form ties with large digital service providers from the U.S., aiming to work with those who handle a large volume of activity.
The financing will further improve the technology tools that CrediLinq uses. The main goals of new features include boosting AI credit algorithms, automating loan management, and handling borrowers of different backgrounds with ease. The company will seek out experienced senior people for both sales and engineering positions to help lead the growth.
Trusted Backers and Returning Investors
A total of new and previous backers participated in the round. The addition of Citi North America and the Rustem Family Office points to an uptick in traditional financial firms wanting to invest in embedded finance. 500 Global, Epic Angels, 1982 VC, and Big Sky Capital reconfirmed their support for the company’s vision and how it operates.
They likened CrediLinq to being able to make both financial returns and a difference. Mark Munoz, Managing Partner at OM/VC, said that their platform follows their approach of assisting ventures that help clients see measurable cash results. According to Lee Smallwood, the way CrediLinq works supports the digital transformation happening in financial services and goes hand in hand with what Citi aims to do in embedded finance.
Industry Demand and Market Potential
B2B companies have been growing their embedded finance thanks to the added opportunity to earn profits through lending and payment services for their users. Most financial institutions avoid supporting small businesses, which is why CrediLinq fills that gap. On digital platforms, CrediLinq makes it easier for SMEs by offering credit and releasing cash within their chosen ecosystems.
Amazon, Lazada, and TikTok Shop are already partnering with the platform. By expanding in the U.S., CrediLinq hopes to offer Canadian and U.S. SMEs the advantages it has brought to Southeast Asia.
Leadership’s Vision for Growth
According to Deep Singh from CrediLinq, the latest round of funding marks a key moment in the company’s pursuit to give access to credit to a broad audience. Singh pointed out that the company hopes to lead the global embedded credit revolution by supplying customer-friendly and clever financing to businesses using technology.
Kotibhaskar agreed, saying that using Credit-as-a-Service encourages users to remain with the platform and earn revenue at a much larger scale. By offering lending at checkout or at points of need, platforms gain higher trust and transaction volume, while SMEs benefit from timely and tailored capital access.
