CrediLinq.Ai

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.

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

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

• Embedded finance platform
• AI credit underwriting
• SME working capital
• Credit-as-a-service
• B2B PayLater financing

Headquarters

HQ city

Singapore

HQ country

Singapore

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations

Revenue model

1. 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.
2. 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.
3. 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

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core 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

Named customers5 records

Segments6 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

AI capability4 records

Feature4 records

Partnerships

Three partnerships are on record, tiered core.

• CIMB SingaporecoreStrategic or Co-development Partner · 1 November 2025CIMB 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.
• KPaycoreStrategic or Co-development Partner · 1 November 2025Part of SME Resilience Circle alongside CIMB Singapore, CrediLinq, and Singlife to support SME growth and resilience in Singapore and the region.
• SinglifecoreStrategic or Co-development Partner · 1 November 2025Part 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

Direct 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

• YouTubeyoutube.com/@credilinq9857?si=ugQwev5kpN4Uy-tW
• Facebookfacebook.com/share/164KvM5Ytt/?mibextid=wwXIfr
• LinkedInlinkedin.com/company/credilinq-ai
• Instagraminstagram.com/credilinq.ai?igsh=MXV0MmRuZ21oNmh3YQ==

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds4 records

Investors18 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CrediLinq.Ai