CrediLinq Raises $8.5M to Enhance Embedded Finance Solutions for Digital SMEs
CrediLinq has recently announced a successful Series A funding round, raising an impressive $8.5 million to accelerate its global expansion and enhance its technology infrastructure. This significant investment was spearheaded by OM/VC and MS&AD Ventures, with notable participation from new investors such as Citi North America and Rustem Family Office. Existing investors, including 500 Global, Epic Angels, 1982 VC, and Big Sky Capital, also reaffirmed their commitment to the company’s growth journey.
Enhancing Access to Capital for SMEs
Founded with the mission to improve access to capital for underserved digital-first SMEs, CrediLinq offers an innovative embedded Credit-as-a-Service platform. This technology empowers real-time, data-driven lending decisions, integrating seamlessly with partner platforms to provide credit solutions precisely when needed. Key sectors benefiting from these solutions include:
- E-commerce
- Procurement
- Payments
Global Expansion Plans
The newly acquired funds will primarily enable CrediLinq to enter critical international markets, starting with the United States, followed by the United Kingdom and Australia. Furthermore, the company aims to strengthen its partnerships with major digital platforms in these regions to broaden its user base and promote greater adoption of its credit services.
Investment in Technology and Talent
In addition to market expansion, CrediLinq plans to invest in building its leadership team across various functions, including sales, marketing, product development, and technology. A significant portion of the funds will be allocated to enhancing the platform’s AI-led credit algorithms and agentic workflows. These innovations utilize data from digital footprints, credit bureaus, and unstructured sources to:
- Minimize non-performing loans
- Improve operational efficiency
Strategic Partnerships with E-Commerce Giants
CrediLinq has already established partnerships with major e-commerce platforms, including Amazon, Lazada, and TikTok Shop. These collaborations provide SMEs with integrated credit offerings designed to enhance cash flow and drive growth.
Leadership Insight
CrediLinq’s founder and group CEO, Deep Singh, expressed enthusiasm for the future, stating, “Today marks a pivotal moment for CrediLinq as we accelerate the growth of embedded finance globally. Our goal is to empower digital native SMEs with flexible, transparent access to capital.”
Co-founder Vikram Kotibhaskar emphasized the importance of their innovative approach, stating, “Our Credit-as-a-Service stack leverages API connectivity and transactional data for quick decision-making, resulting in a fast and transparent customer experience.”
Investor Confidence in CrediLinq
Mark Munoz, managing partner at OM/VC, noted the investment’s alignment with their philosophy, highlighting that many users have reported immediate ROI from their crediting platforms. Additionally, Lee Smallwood, Citi’s global head of markets innovation and investments, praised CrediLinq’s seamless integration into diverse digital ecosystems, positioning the company for significant global impact.
While previous funding amounts remain undisclosed, this latest investment marks a crucial advancement in CrediLinq’s mission to establish itself as a global leader in embedded credit solutions. For further details on CrediLinq’s offerings and updates, visit their official website at CrediLinq.
