CrediLinq Credit-as-a-Service

CrediLinq is a Singapore-headquartered credit infrastructure company that provides embedded finance to digital-native businesses across platforms and banks. It aims to give online sellers and SMEs access to working capital without collateral or equity dilution.

Its Credit-as-a-Service stack is an API-based, modular layer that B2B platforms and banks embed to offer financing to merchants. An AI credit model uses e-commerce transaction and alternative data to decide within about 24 hours, and merchants connect their store data to onboard. The company lists integrations with channels such as Amazon, Shopify, Shopee, Lazada, eBay and TikTok.

• Modular Credit-as-a-Service stack: API-based building blocks that platforms and banks embed to offer merchant financing.
• AI credit model: Scores sellers using e-commerce transaction and alternative data.
• Fast decisioning: Underwriting and decisions within about 24 hours.
• Store-data onboarding: Merchants connect their sales channels for digital sign-up.
• Developer documentation: Public API docs and a customer portal for applications.

A Vietnamese e-commerce marketplace could offer working-capital lines to its sellers at checkout. A Vietnamese bank could use the stack to serve online SMEs with data-based credit. A B2B procurement or payment platform could add pay-later financing for buyers.

Platforms can add a financing offer to checkout without building a lending stack. Decisions in about 24 hours and a pay-on-use fee with no collateral or equity dilution, per the company. Repayment terms of 30, 60 or 90 days suit seller working capital.

Marketplaces and B2B platforms increasingly embed credit to retain sellers and lift conversion. Many SEA MSMEs find financing hard to obtain, which supports data-driven underwriting for e-commerce sellers on Shopee, Lazada and TikTok Shop.

Headquartered in Singapore with operations in the USA and UK. Series A of US$8.5 million in May 2025 led by OM/VC and MS&AD Ventures, with Citi North America and Rustem Family Office joining. ISO 27001 certified; holds a Capital Markets Services License from MAS.