CrediLinq has secured $8.5m in a Series A funding round to fuel its global expansion and enhance its technology infrastructure.
The round was led by OM/VC and MS&AD Ventures, with participation from new investors including Citi North America and Rustem Family Office. Existing backers such as 500 Global, Epic Angels, 1982 VC, and Big Sky Capital also returned to support the company’s next growth phase.
Founded to improve access to capital for underserved digital-first SMEs, CrediLinq offers an embedded Credit-as-a-Service platform that enables real-time, data-driven lending decisions. Its technology integrates seamlessly with partner platforms, delivering credit solutions at the point of need for businesses operating in verticals like e-commerce, procurement, and payments.
The newly raised funds will support CrediLinq’s entry into key international markets, starting with the US, followed by the UK and Australia. The company also plans to deepen its partnerships with large digital platforms in these regions to expand its user base and drive greater adoption of its credit services.
CrediLinq will also use the investment to build out its leadership team across sales, marketing, product, and technology functions. A significant portion of the capital will be allocated to enhancing the platform’s AI-led credit algorithms and agentic workflows, which leverage data from digital footprints, credit bureaus, and unstructured sources to minimise non-performing loans and improve operational efficiency.
The company has already secured partnerships with major e-commerce platforms such as Amazon, Lazada and TikTok Shop, supporting SMEs with integrated credit offerings to improve cash flow and drive growth.
CrediLinq founder and group CEO Deep Singh said, “Today marks a pivotal moment for CrediLinq as we accelerate the growth of embedded finance globally, helping platforms empower digital native SMEs with flexible, transparent and more seamless access to capital. With this new funding, we are excited to deepen our partnerships, expand into new markets, and invest in senior talent and technology infrastructure that will support the next phase of our growth.”
CrediLinq co-founder Vikram Kotibhaskar added, “The embedded credit revolution continues to gain momentum, and CrediLinq is at the forefront of this innovation. By being integrated within platforms, our Credit-as-a-Service stack leverages API connectivity, transactional data and credit algorithms for quick decision-making at the point of need and offers easy checkout within the partner ecosystem. This results in a fast, frictionless and transparent customer experience and more ways for platforms to monetise their business. Our agentic workflows also drive efficiency and continuous monitoring to keep loan losses low. Platform partners benefit with higher stickiness, trust, and scalability that drives up GMV.”
OM/VC managing partner Mark Munoz said, “As a long-term investor in Credilinq, we’re proud to support their growth into a global leader in credit-as-a-service. Their innovative use of technologies like AI to drive positive revenue outcomes for clients is aligned with our investment philosophy. It’s also encouraging to see that many of its users have reported consistent, immediate ROI from their crediting platforms, underscoring the value that Credilinq is delivering at scale.”
Citi global head of markets innovation and investments Lee Smallwood said, “CrediLinq’s innovative approach to embedded finance leverages AI to provide seamless credit solutions for digital-first SMEs, which complements our goal to transform financial services. Their platform’s ability to integrate into diverse digital ecosystems positions them to make a significant impact globally.”
Previous funding amounts have not been disclosed, but this latest round marks a significant step forward in the company’s mission to become a global embedded credit leader.
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