CreditLinks
CreditLinks is a Noida-based financial services marketplace that connects underbanked Indian consumers with multiple lenders and financial product providers via an AI-ML matching engine, distributed through 425+ merchant QR locations, 60+ channel partners, and 15+ fintech integrations.
- Company typePrivate
- Founded2021
- HeadquartersNoida, India
- Headcount11–50
- GTM typeB2B and B2C
- OfferingDigital Commerce or Content
What CreditLinks does
CreditLinks (legally Asset Direct Creditlinks DBA India Pvt. Ltd.) is a Noida-based financial services marketplace that connects underbanked consumers in India with multiple lenders and financial product providers through a single digital application. Founded in 2021 and operating with a team of 1-10 employees, the company targets individuals who lack adequate access to traditional banking and offers unsecured personal loans ranging from ₹1,000 to ₹10,00,000 at interest rates starting from 10.99%, alongside insurance, cards, and discount vouchers. The platform supports a 100% digital, contactless KYC process with no collateral required, and disburses approved loans within 24 hours.
The company's core technology is an AI-ML-based smart rule engine that matches customer profiles to best-fit lenders within defined criteria and routes high-intent leads to fintech partners. Distribution is multi-channel: merchants install QR stands at retail points of sale to originate applications, 60+ channel partners manage merchant onboarding and earn commissions on disbursements, and 15+ fintech/lender partners integrate directly for lead conversion. The lender network includes FlexiLoans, EarlySalary, Aditya Birla Finance, LendingKart, Muthoot Fincorp, TrueBalance, Vivifi, Kreditbee, InCred, and Protium, among others, with coverage spanning 425+ physical locations.
CreditLinks monetizes via two primary revenue streams: (1) commissions on successful loan disbursements originated through its merchant and channel partner network, and (2) pay-per-conversion lead-generation fees from fintech partners receiving AI-routed leads. Partners and merchants are positioned for 'one-time investment, lifetime returns' with recurring commissions on repeat purchases, creating a layered distribution model rather than a direct-to-consumer lending book. The company is privately held, bootstrapped (no external funding disclosed), and operates exclusively within India.
CreditLinks firmographics
Firmographics- Name
- CreditLinks
- Legal name
- Asset Direct Creditlinks DBA India Pvt. Ltd.
- Website
- https://creditlinks.in
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- CreditLinks is a Noida-based financial services marketplace that connects underbanked Indian consumers with multiple lenders and financial product providers via an AI-ML matching engine, distributed through 425+ merchant QR locations, 60+ channel partners, and 15+ fintech integrations.
- Ownership category
- akta.pro rank
CreditLinks industry classification
Industry- Product category
- Consumer Lending Marketplace
- NAICS
- Activities Related to Credit Intermediation (5223), Credit Intermediation and Related Activities (522)
- SIC
- Loan Brokers (6163), Personal Credit Institutions (6141)
- akta.pro primary industry
- Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching) (FSAGAHAL)
- akta.pro secondary industry
- Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)
Keywords
Where CreditLinks is headquartered
LocationHeadquarters
- HQ city
- Noida
- HQ country
- India
- HQ region
- Asia
Offices2 records
Markets served
CreditLinks business model
Business model- GTM type
- B2B and B2C
- Offering type
- Digital Commerce or Content
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations
Revenue model
- Commission on Disbursements: CreditLinks earns a commission every time there is a successful conversion or disbursement to a customer through their merchant or channel partner network. Partners earn attractive margins on each disbursement and get rewarded on repeat purchases perpetually.
- Lead Generation to Fintech Partners: CreditLinks routes high-intent customers to fintech partners through their smart rule engine. Fintech partners pay per conversion when leads are successfully converted into customers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Personal Loans - No Collateral Required |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels4 records
CreditLinks product offering
Product offeringCore offering
CreditLinks operates a digital financial services marketplace that connects underbanked individuals in India with multiple lenders and financial product providers. Through its app and website, customers can apply for unsecured personal loans (₹1,000 to ₹10,00,000 at rates starting from 10.99%), insurance, cards, and discount vouchers via a single 100% digital, contactless application with no collateral required. The company distributes these products through a network of merchants (QR stands at stores), channel partners, and fintech partners, using an AI-ML-based smart rule engine to match customers to best-fit lenders.
Product overview
CreditLinks is a smart financial services marketplace that aggregates multiple financial products—Loans, Insurance, Cards, and Discount Vouchers—through a network of merchants, channel partners, and fintech partners. The platform operates as a 100% digital, contactless marketplace targeting underbanked populations in India, offering unsecured personal loans ranging from ₹1,000 to ₹10,00,000 with rates starting from 10.99%. The core offering is the marketplace aggregation platform supplemented by three distinct partner programs: Merchants (QR-based point-of-sale), Channel Partners (distribution network), and Fintech Partners (lead generation with AI-powered matching).
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Loans
- Insurance
- Cards
- Discount Vouchers
- Merchant Partner Program
- Channel Partner Program
- Fintech Partner Integration Program
Quantifiable outcome
- Disbursement within 24 hours post approval
- +1 more outcomes
Companies that use CreditLinks
Customer profileNamed customers2 records
Segments4 records
Ideal customer profiles4 records
CreditLinks technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability1 record
Feature2 records
CreditLinks partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- Fintech Partners (15+)coreTechnology and lending fintech partners who receive high-intent leads routed through CreditLinks' AI-ML-based smart rule engine. Partners pay per conversion with no onboarding fees or hidden costs. Smart matching optimizes conversion potential by matching customers to best-fit lenders within criteria.
- Channel Partners (60+)coreChannel partners who distribute QRs to merchants and earn commission on successful conversions/disbursements through their merchant networks. One-time investment model with lifetime returns. Partners establish a book of business by selling range of financial products through CreditLinks.
Scale indicators3 records
Recent moves5 records
Expansion highlights5 records
CreditLinks competitors and assessment
Company assessmentMarket position
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
CreditLinks social profiles
Digital presenceCreditLinks financial estimates
Financial estimateRevenue estimate
Valuation estimate
CreditLinks leadership team
Management profileNumber of profiles
CreditLinks funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CreditLinks 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 CreditLinks
What does CreditLinks do?
CreditLinks operates a digital financial services marketplace that connects underbanked individuals in India with multiple lenders and financial product providers. Through its app and website, customers can apply for unsecured personal loans (₹1,000 to ₹10,00,000 at rates starting from 10.99%), insurance, cards, and discount vouchers via a single 100% digital, contactless application with no collateral required. The company distributes these products through a network of merchants (QR stands at stores), channel partners, and fintech partners, using an AI-ML-based smart rule engine to match customers to best-fit lenders.
Is CreditLinks a public or private company?
CreditLinks is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was CreditLinks founded?
CreditLinks was founded in 2021. It employs 11 to 50 people.
Where is CreditLinks based?
CreditLinks is headquartered in Noida, India, in the Asia region.
How does CreditLinks make money?
Two revenue lines are on record. Commission on Disbursements are the primary driver. The others are lead Generation to Fintech Partners.
Does CreditLinks have an API?
No public API is recorded for CreditLinks.
What industry is CreditLinks in?
CreditLinks's product category is Consumer Lending Marketplace. Its primary akta.pro industry code is FSAGAHAL, Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching), with a secondary code of FSAEAEAM, Personal Loan & Unsecured Credit Intermediation. Its NAICS code is 5223 and its SIC code is 6163.