CrediLinq.Ai
CrediLinq.Ai is a Singapore-based fintech founded in 2021 that provides AI-driven Credit-as-a-Service for B2B platforms and e-commerce SMEs, underwriting revolving credit up to $2M using alternative transaction data via API integrations.
- Company typePrivate
- Founded2021
- HeadquartersSingapore, Singapore
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What CrediLinq.Ai does
CrediLinq.Ai Pte. Ltd. is a Singapore-based fintech founded in 2021 that operates a Credit-as-a-Service embedded finance platform targeting two distinct customer segments: (1) e-commerce SMEs and sellers needing working capital and inventory financing, and (2) B2B platforms, marketplaces, procurement platforms, freelance marketplaces, and banking/accounting platforms seeking to embed credit products for their merchant or user bases. The company addresses the estimated USD 5 trillion SME credit gap by using AI/ML-driven credit scoring built on alternative data — e-commerce transaction history, reviews, and ratings — rather than traditional income documents, enabling approvals in as fast as one business day on revolving lines up to USD 2 million.
Its core product stack comprises five integrated solutions: B2B PayLater (30–90 day deferred buyer financing), GMV Financing (instant seller payouts against sales), Recurring Revenue Financing (subscription-revenue-backed loans), PayLater Direct (term loans for large expenses), and SME Healthcheck (financial analytics dashboard). Underlying technology is a REST API architecture with Auth0 OAuth2 authentication, idempotent request handling, real-time webhook eventing, and native integrations with Amazon, Shopify, TikTok Shop, Walmart, eBay, Lazada, and Shopee. The company holds ISO 27001 certification, is MAS-licensed in Singapore, and is a Singapore FinTech Association member.
CrediLinq monetizes via transaction-based take rates: a single service fee as low as 1.5% per month (simple fixed APR from 18%) on revolving credit lines, and risk-based pricing up to 2.5% per month for GMV Financing and B2B PayLater, with no collateral, equity dilution, or personal guarantee required. The company has raised approximately $12.1M across angel (2021), seed (2022), and Series A (May 2025) rounds, led in the most recent by OM/VC, MS&AD Ventures, Citi North America, and Rustem Family Office. Distribution is dual-channel — a self-serve SMB portal and enterprise platform partnerships — and is now expanding into the US, UK, and Australia, with a CIMB Singapore-led SME Resilience Circle partnership signed in November 2025 adding a bank-distribution layer.
CrediLinq.Ai firmographics
Firmographics- Name
- CrediLinq.Ai
- Legal name
- CrediLinq.Ai Pte. Ltd.
- Website
- https://credilinq.ai/
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- CrediLinq.Ai is a Singapore-based fintech founded in 2021 that provides AI-driven Credit-as-a-Service for B2B platforms and e-commerce SMEs, underwriting revolving credit up to $2M using alternative transaction data via API integrations.
- Ownership category
- akta.pro rank
CrediLinq.Ai industry classification
Industry- Product category
- Embedded Lending Infrastructure
- NAICS
- Nondepository Credit Intermediation (5222), Activities Related to Credit Intermediation (5223)
- SIC
- Miscellaneous Business Credit Institution (6159), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning) (FSAGAJAM)
Keywords
Where CrediLinq.Ai is headquartered
LocationHeadquarters
- HQ city
- Singapore
- HQ country
- Singapore
- HQ region
- Asia
Offices1 record
Markets served
CrediLinq.Ai business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations
Revenue model
- GMV Financing Fees: Risk-based pricing for each seller up to 2.5% per month, charged upfront on loan drawdown. Late charges: None. Upfront fee increased by 4% p.a. for subsequent drawdowns in case of late payment.
- B2B PayLater Fees: Risk-based pricing up to 2.5% per month. Fee is added to the total invoice amount funded. No personal guarantee required.
- Revolving Credit Line Fees: Single service fee as low as 1.5% per month, or simple fixed APR from 18%. Pay only for what you use. No equity diluted or security required.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Revolving credit line from $25K to $2M |
| Transaction based/ take rate | Pay-as-you-go | GMV Financing for sellers |
| Transaction based/ take rate | Pay-as-you-go | B2B PayLater for buyers |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels6 records
CrediLinq.Ai product offering
Product offeringCore offering
CrediLinq.Ai is a Credit-as-a-Service platform that provides AI-driven embedded finance infrastructure to B2B platforms and marketplaces, enabling them to offer B2B PayLater, GMV Financing, and revolving credit lines to SME sellers. The company uses machine learning and alternative data (e-commerce transaction history, reviews, platform signals) instead of traditional income documents to underwrite credit, with funding approved as fast as one business day and lines of credit up to $2 million.
Product overview
CrediLinq.Ai is a technology infrastructure firm providing white-labeled embedded finance solutions to B2B platforms and marketplaces. The company offers a Credit-as-a-Service platform architecture with five integrated financing solutions: B2B PayLater (buyer financing enabling 30-90 day deferred payments), GMV Financing (seller financing for instant payment on sales), Recurring Revenue Financing (based on subscription revenue), PayLater Direct (term loans for large expenses), and SME Healthcheck (financial analytics dashboard). The core API-supported products are B2B PayLater and GMV Financing, while the broader product suite addresses various SME financing needs including working capital, inventory restocking, and cash flow management. The platform uses alternative data and AI-driven credit models to underwrite creditworthiness without traditional income documents.
Differentiator
Problem solved
Functional benefit
Products and services
- B2B PayLater
Quantifiable outcome
- Up to 40% increase in customer conversions with embedded financing
- +2 more outcomes
Companies that use CrediLinq.Ai
Customer profileNamed customers5 records
Segments6 records
Ideal customer profiles3 records
CrediLinq.Ai technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
AI capability4 records
Feature4 records
CrediLinq.Ai partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- CIMB SingaporecoreCIMB Singapore initiated the SME Resilience Circle in collaboration with CrediLinq, KPay, and Singlife. The initiative includes the launch of CIMB FlexiPay, a flexible, performance-linked financing solution for SMEs, signed via MOUs with the partners in November 2025.
- KPaycorePart of SME Resilience Circle alongside CIMB Singapore, CrediLinq, and Singlife to support SME growth and resilience in Singapore and the region.
- SinglifecorePart of SME Resilience Circle alongside CIMB Singapore, CrediLinq, and KPay to support SME growth and resilience in Singapore and the region.
Scale indicators9 records
Recent moves5 records
Expansion highlights6 records
CrediLinq.Ai competitors and assessment
Company assessmentDirect peers
- YouLend: YouLend offers embedded finance and revenue-based funding to SMBs through e-commerce platforms, payment processors, and banks. It overlaps CrediLinq on the platform-distributed, alt-data underwriting approach.
- Uncapped: Uncapped provides revenue-based financing to SMBs and online sellers globally, with a focus on flat-fee pricing and fast approvals. Its product set, target customer, and alternative-data underwriting closely overlap CrediLinq's offerings.
- Pipe: Pipe pioneered embedded trading of recurring revenue and now offers capital solutions to SaaS and SMBs through platform partnerships. It is directly comparable as an embedded-finance infrastructure play targeting platform-distributed credit.
- Clearco: Clearco provides revenue-based and inventory financing to e-commerce and DTC brands using alternative data. It is a direct competitor to CrediLinq's GMV Financing product for online sellers, with a similar AI-driven underwriting approach.
- Wayflyer: Wayflyer offers revenue-based financing and inventory funding to e-commerce brands globally. Like CrediLinq, it focuses on fast, asset-light underwriting for online sellers using transaction data rather than collateral.
- Outfund: Outfund offers revenue-based financing embedded directly into SaaS and marketplace platforms via API. Its platform-embedded model and SMB focus make it a directly comparable alternative-data lender to CrediLinq.
- Hokodo: Hokodo offers B2B embedded trade credit and invoice financing to marketplaces and procurement platforms via API. It is a direct peer in the B2B PayLater / embedded trade-credit space that CrediLinq targets through its platform segment.
- Liberis: Liberis provides embedded revenue-based financing to small businesses via partner platforms and acquirers globally. It is comparable to CrediLinq in serving SMBs through embedded-finance distribution with alternative-data underwriting.
- Resolve: Resolve provides B2B embedded payments and net-terms credit at checkout for marketplaces and procurement platforms. It competes head-to-head with CrediLinq's B2B PayLater product for platform-embedded buyer financing.
Broad incumbents
- Stripe Capital: Stripe Capital offers working-capital financing to businesses on the Stripe payments network using payment-volume data. As a broad incumbent in embedded SMB financing, it competes with CrediLinq for the same platform-embedded credit opportunity from a position of scale.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
CrediLinq.Ai social profiles
Digital presenceCrediLinq.Ai compliance and trust
Trust signalCompliance3 records
CrediLinq.Ai financial estimates
Financial estimateRevenue estimate
Valuation estimate
CrediLinq.Ai leadership team
Management profileNumber of profiles
Profiles4 records
CrediLinq.Ai funding detail
Funding detailFunding overview
Funding rounds4 records
Investors18 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CrediLinq.Ai M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CrediLinq.Ai
What does CrediLinq.Ai do?
CrediLinq.Ai is a Credit-as-a-Service platform that provides AI-driven embedded finance infrastructure to B2B platforms and marketplaces, enabling them to offer B2B PayLater, GMV Financing, and revolving credit lines to SME sellers. The company uses machine learning and alternative data (e-commerce transaction history, reviews, platform signals) instead of traditional income documents to underwrite credit, with funding approved as fast as one business day and lines of credit up to $2 million.
Is CrediLinq.Ai a public or private company?
CrediLinq.Ai is a private company. It is classified as venture growth investor backed and is currently operating.
When was CrediLinq.Ai founded?
CrediLinq.Ai was founded in 2021. It employs 11 to 50 people.
Where is CrediLinq.Ai based?
CrediLinq.Ai is headquartered in Singapore, Singapore, in the Asia region.
How does CrediLinq.Ai make money?
Three revenue lines are on record. GMV Financing Fees are the primary driver. The others are B2B PayLater Fees and revolving Credit Line Fees.
Who are CrediLinq.Ai's main competitors?
Direct peers on record are YouLend, Uncapped, Pipe, Clearco, Wayflyer, Outfund, Hokodo, Liberis and Resolve. Stripe Capital is listed as a broad incumbent.
Does CrediLinq.Ai have an API?
Yes. CrediLinq offers a REST API for embedded finance integration with three environments (Sandbox, Staging, Production). The API provides endpoints for Onboarding (eligibility checks, KYC, credit limits), Customers (profile, billing, order history management), Loans (loan management and repayment), Payment (loan creation, preview, summaries), and Reports (analytics and business metrics). Authentication uses Auth0 OAuth2 with Bearer token. Supports webhooks for real-time event notifications (DRAWDOWN_INITIATED, DRAWDOWN_APPROVED, DRAWDOWN_DISBURSED, CUSTOMER_KYC_ACCEPTED, CREDIT_LINE_UPDATED, etc.). Supports localization in English and Indonesian. Supports idempotent requests via Idempotency-Key header (24-hour validity). Rate limiting is applied. Documentation URL: https://docs.credilinq.ai/ Developer documentation is at docs.credilinq.ai.
What industry is CrediLinq.Ai in?
CrediLinq.Ai's product category is Embedded Lending Infrastructure. Its primary akta.pro industry code is FSAGAJAM, SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning). Its NAICS code is 5222 and its SIC code is 6159.