CrediLinq raises US$8.5m to expand embedded finance to global markets

CrediLinq, a Singapore-based embedded finance platform, has secured US$8.5m in Series A funding as it prepares to expand operations into the United States, United Kingdom, and Australia. The financing round was led by OM/VC (formerly Vectr Fintech) and MS&AD Ventures, with new participants including Citi North America and the Rustem Family Office.

This funding milestone aligns with a broader global surge in demand for embedded finance — the integration of financial services directly into non-financial digital platforms. Small and medium-sized enterprises (SMEs), particularly in B2B environments, are increasingly expecting access to credit in the same seamless way they use other platform services.

CrediLinq addresses this demand through its proprietary credit-as-a-service (CaaS) stack, which integrates via APIs into digital ecosystems such as e-commerce marketplaces, procurement software, and payment platforms. The platform utilizes alternative and real-time data to fuel its AI-powered credit decision engine, enhancing accessibility while aiming to lower default risks and increase operational efficiency.

The company is already working with global platforms like Amazon, Lazada, and TikTok Shop, embedding financing options directly into merchants’ workflows. With the fresh capital, CrediLinq plans to launch its services first in the US before expanding into the UK and Australia. The strategy includes forging partnerships with digital platforms that serve SMEs in these regions.

The investment will also support internal growth, with plans to bolster the company’s teams across commercial, product, and technology roles. Additionally, CrediLinq is investing in its AI credit engine, focusing on deeper integration of real-time unstructured data and the use of agentic workflows to reduce non-performing loans and improve credit servicing processes.

While preparing for international growth, CrediLinq remains committed to its roots in Singapore. It holds a Capital Markets Services License from the Monetary Authority of Singapore (MAS) and is ISO 27001 certified, reinforcing its credibility as a fintech infrastructure provider. Singapore’s regulatory clarity and established role as a fintech hub have provided a strong foundation for CrediLinq’s success, with Southeast Asia serving as a testing ground for its embedded lending model.

With the backing of major global investors and a technology-driven approach, CrediLinq is positioning itself to become a pivotal player in transforming SME lending. Its platform demonstrates how embedded finance can enhance user engagement, drive retention, and open new revenue streams for digital ecosystems globally.