CrediLinq is a global fintech infrastructure company that powers B2B embedded finance through a proprietary Credit-as-a-Service stack. Its API-centric platform lets digital marketplaces, software platforms, and banks embed lending products directly into their ecosystems, enabling small and medium-sized businesses to access working capital at their point of need rather than going through slow, manual bank processes.
The company's AI-driven credit models ingest real-time e-commerce and transaction data to assess a merchant's funding needs and repayment capacity. This data-native underwriting allows CrediLinq to deliver approval decisions in as little as one business day and to offer short-term credit, typically three to six months, of up to $2 million. Crucially, financing comes with a single transparent service fee on funds actually used, with no collateral, equity dilution, or hidden costs, which is well suited to digital-native SMEs that lack traditional credit histories or hard assets.
CrediLinq targets e-commerce sellers operating on platforms like Amazon, Shopify, TikTok, and Lazada, as well as the platforms themselves, which can use CrediLinq's API to launch their own embedded lending products for merchants. Common use cases include inventory restocking, advertising spend, and product-line expansion, areas where fast, flexible capital directly drives merchant growth. By embedding credit into the platforms where SMEs already operate, CrediLinq reduces friction and expands access to capital for an underserved segment.
In May 2025, CrediLinq closed an $8.5 million Series A led by OM/VC and MS&AD Ventures, with new investors Citi North America and Rustem Family Office and returning backers 500 Global, Epic Angels, 1982 VC, and Big Sky Capital. The funding supports geographic expansion across the United States, United Kingdom, and Australia, strengthens its leadership team in sales, marketing, product, and engineering, and funds continued improvement of its AI-led credit algorithms.