CrediLinq.Ai is driven by a vision to transform credit access for digital-native small and medium enterprises, bridging the gap between traditional finance and the dynamic needs of modern businesses. We are creating an ecosystem where financing is seamlessly embedded into the everyday workflows of digital platforms, empowering underserved businesses to thrive and scale with unprecedented ease.
Harnessing the power of artificial intelligence, machine learning, and graph analytics, CrediLinq.Ai is designing the future of credit assessment—one that delivers instant, transparent, and contextually intelligent decisions without the barriers imposed by traditional credit history constraints. Our mission centers on democratizing capital and enabling sustainable growth through technology that adapts to the digital economy’s pace.
By embedding flexible, real-time financing solutions directly into platforms where businesses operate, we aim to unlock human potential and foster inclusive economic development globally. We are building a future where every digital marketplace and B2B ecosystem can offer value-driven financial products that accelerate opportunity and confidence for underserved SMEs.
Our Review
We've been watching the embedded finance space explode over the past few years, and CrediLinq.Ai caught our attention as one of the more thoughtful players tackling a real problem. While everyone's talking about Buy Now, Pay Later for consumers, these Singapore-based founders are quietly building the infrastructure that lets B2B platforms offer instant credit to their business customers.
What struck us immediately was their timing and focus. Founded in 2020 by Deep Singh and Vikram Kotibhaskar—both with serious finance backgrounds—CrediLinq emerged right as digital-native SMEs were struggling to get traditional banks to understand their business models.
The API-First Approach That Actually Works
Here's where CrediLinq gets interesting: instead of trying to be another direct lender, they've built white-labeled infrastructure that platforms can plug into their existing workflows. Think of it as "credit-as-a-service" for marketplaces and B2B platforms.
We're particularly impressed by their AI-powered underwriting that can make credit decisions without traditional bank statements. For e-commerce sellers on Amazon or TikTok Shop, this means getting up to $2M in funding in as little as one day. That's the kind of speed that actually matters when you're trying to restock inventory or scale quickly.
Smart Money Behind Smart Tech
The funding story tells us a lot about where this is headed. Their recent $8.5M Series A round brought in some heavy hitters—including Citi North America, which signals serious institutional confidence in their approach.
What we find encouraging is how they're using the capital: aggressive international expansion to the US, UK, and Australia, plus strategic acquisitions. That's not the behavior of a company still figuring out product-market fit—that's a team ready to scale proven technology.
Who This Really Serves
CrediLinq isn't trying to replace traditional banks for everyone. Their sweet spot is digital-first businesses that live and breathe on platforms—e-commerce sellers, gig economy players, and SMEs that operate primarily online.
For platform operators, the value proposition is clear: offer embedded financing to keep your sellers and buyers engaged longer, while taking a cut of the action. For the end businesses, it's about getting capital at the point of need without jumping through traditional banking hoops.
We think they're onto something significant here. As more commerce moves to digital platforms, the ability to seamlessly embed credit into those workflows becomes incredibly valuable. CrediLinq's betting that the future of B2B lending looks a lot more like instant, contextual, and platform-native—and from what we've seen, they might just be right.
Features
Credit-as-a-Service Infrastructure with white-labeled, API-first platform
AI-Powered Credit Assessment using machine learning and graph analytics
Real-time loan eligibility checks and automated application processing
Analytics dashboards for risk evaluation and portfolio management
Supports e-commerce, procurement, supply chain, freelancing, and payment verticals
No bank statements required for certain loans
Funding up to $2M with fast approval for e-commerce businesses
FAQs
Ploy was founded in 2024.
CrediLinq is a technology infrastructure company that is enabling B2B platforms to offer embedded finance to their customers. B2B PayLater for buyers and B2B PayNow for sellers is a huge opportunity to both improve conversion, increase average order volumes and dramatically reduce operational burden. The future of B2B payments and purchasing will very much look like the current consumer level experience – we at CrediLinq.Ai are accelerating that change. Credilinq is helmed by Deep Singh, a passionate banker-turned-entrepreneur. He is a specialist in corporate and commercial finance with a hunger for innovation. He was previously Chief Capital Officer at a US$1.3 billion private credit firm and left behind his corporate career to start Credilinq. He aims to use his 17 years of rich experience in credit to support the growth of SMEs and help asset allocators achieve superior risk-adjusted returns. To find out more about how we can help you facilitate end-to-end SME credit underwriting using our unique AI and machine-learning platform, visit our website at www.credilinq.ai.
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