In the business world, where small and medium-sized enterprises (SMEs) often face difficulties in accessing timely financing, Singapore-based fintech company CrediLinq is taking a bold step forward by offering revolutionary AI-powered solutions. On May 16, 2025, the company announced the close of its USD $8.5 million Series A funding round. This significant capital injection, led by venture capital firms OM/VC (formerly Vectr Fintech) and MSandAD Ventures, with participation from new investors including Citi North America and Rustem Family office, as well as returning investors like 500 Global and Epic Angels, underscores the growing confidence in CrediLinqs AI-centric model in the B2B embedded finance space.
CrediLinq positions itself as an embedded finance platform that is fundamentally changing access to working capital for digital-first SMEs globally, especially those often underserved by traditional banking services. At the heart of its technology infrastructure is artificial intelligence. The platform integrates into B2B platforms (e.g., e-commerce marketplaces such as Amazon, Lazada, and TikTok Shop, with which CrediLinq already has integrations) via APIs and leverages these platforms real-time alternative data for instant and accurate credit assessment of SMEs. This enables the provision of financing (e.g., "B2B PayLater" for buyers or inventory financing for sellers) precisely when needed, seamlessly, and without unnecessary bureaucracy.
Deep Singh, Founder and Group CEO of CrediLinq, remarked: "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." A significant portion of the raised funds will be directed towards further enhancing the companys technology stack, particularly for the continual improvement of AI-led credit algorithms. These algorithms analyze an SMEs real-time digital footprint, including platform data, unstructured data, bureau information, and the like, to reduce non-performing loans (NPLs) and provide more accurate and fair credit decisions.
In addition to technological development, CrediLinq plans to use the proceeds for active market expansion, including entry into the US, UK, and Australian markets, as well as strengthening its presence in Singapore. The company also intends to hire senior talent in sales, marketing, product development, and technology. This funding round not only validates CrediLinqs business model but also signals a broader trend towards the intellectualization of financial services for businesses, where AI is becoming a key driver of efficiency, speed, and capital accessibility for enterprises of all sizes.