Participated · Equity · Jul 2021

CrediLinq offers an API‑centric, AI-driven Credit-as-a-Service stack that embeds lending into B2B platforms and uses real‑time alternative platform data, unstructured data and bureau information for credit decisioning. Its technology includes agentic workflows and AI algorithms designed to reduce non‑performing loans and improve collections. The platform integrates with marketplaces and platforms such as Amazon, Lazada and TikTok Shop to deliver financing at the point of need. CrediLinq holds a Capital Markets Services License from the Monetary Authority of Singapore, is ISO 27001 certified, and is a member of the Singapore Fintech Association. The company plans to use new capital to expand into the United States, the United Kingdom and Australia, strengthen its Singapore presence, pursue strategic acquisitions and partnerships, hire senior commercial, product and tech talent, and further enhance its technology stack. Founded in 2020 and based in Singapore, CrediLinq.Ai provides API-driven credit-as-a-service and payments infrastructure for B2B marketplaces and platforms. Its core product includes advanced API solutions, alternative credit-scoring models, and underwriting approaches that enable ecosystem partners, digital banks, and funding partners to underwrite and deliver financing to SMEs. The company supports use cases such as B2B BNPL and GMV financing and powers lending across e-commerce, payments, and procurement platforms in Singapore, Hong Kong, Malaysia, Australia, and Indonesia. It recently signed two major stock exchange-listed customers and serves several smaller platforms across the region. In February 2023 CrediLinq.Ai raised an undisclosed seed extension from MS&AD Ventures and Big Sky Capital, with participation from existing investor 1982 Ventures and unnamed angels. The startup plans to use the funds to scale operations, upgrade infrastructure, pursue strategic acquisitions in key markets including Indonesia and Singapore, and expand its global embedded finance customer base. CrediLinq.Ai is a Singapore-headquartered fintech firm building an AI- and machine-learning-powered lending platform to transform credit underwriting for SMEs. Its core product integrates advanced algorithms and leverages traditional and alternative data points to improve credit assessment and transparency for investors. The company was established last year by Deep Singh, an experienced banker and entrepreneur in corporate and commercial finance. CrediLinq.Ai says it will use the funding to expand its professional team, update its technology and products, and finance its first set of loans. After launching services in Singapore, the firm plans regional expansion into Hong Kong, Australia, and New Zealand. Management positions the platform as a way to lower entry barriers for underserved small businesses and to streamline underwriting for banks and credit asset managers.