OUR EMBEDDED FINANCE SOLUTION
HELPS BUSINESSES –

INCREASE THEIR REVENUE AND SCALE AHEAD OF COMPETITORS.

At CrediLinq.Ai, our goal is to create an inclusive, accessible, digital-first,
and frictionless embedded finance experience where every business can
get instant access to growth capital at their point of need.

Our proprietary marketplace financing solution empowers B2B platforms
and marketplaces to offer a seamless embedded finance experience to
SMEs and bridge the credit gap, one loan at a time.

OUR CREDIT-AS-A-SERVICE HELPS BUSINESSES SCALE:

Through Embedded Financing, For Future Growth

Our goal is to create a more inclusive, accessible, digital-first and frictionless customer experience where every business can get quicker access to growth capital.

Our proprietary technology enables our ecosystems partners to become lenders and facilitate products including B2B BNPL and GMV financing for their clients.

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How Our Embedded Finance and Alternative Financing Solution Is Bridging the SME CreditGap:

FOR PLATFORMS AND SMEs

Our embedded finance solution empowers B2B platforms to seamlessly offer their partner
SMEs affordable credit at their point of need. Once integrated, SMEs can effortlessly access
alternative financing by leveraging their platform transaction data, while the marketplace
benefits by nurturing a new revenue stream and higher stickiness.

FOR INVESTORS

Our proprietary credit scoring and underwriting algorithm leverages machine learning and
artificial intelligence to assess alternative datasets and identify creditworthy SMEs suffering
from a financing gap. This, in addition to our real-time monitoring, allows us to efficiently
bridge the credit gap while ensuring steady and high returns for all our investors.

The Dream Team

Headquartered in Singapore, CrediLinq.Ai is supported by a globally distributed team of
professionals with more than 100 years of collective experience in financial technology.

DEEP SINGH

Founder and Group CEO

VIKRAM KOTIBHASKAR

Chief Executive Officer

MADELEINE BECK

Chief of Staff

DINESH SINGH

Chief Technology Officer

PRIYAN FERNANDO

Chief Data Scientist

KAIA REET PARV

Chief Investment Officer

HEMANT BATRA

Chief Risk Officer

SAMUEL LIN

Chief Capital Officer

SANDEEP NAMBIAR

Chief Product Officer

KUNAL MALHOTRA

Chief Growth Officer

KRISHNA SONI

Head of Engineering

NAZEER SHAIKH

Senior Solution Architect

AYUSH PAHARIA

Software Development Engineer

JASMIN BHADANI

QA Lead/Scrum Master

VIKRAM PARIKH

Product Owner

PRASADI KURUPPU

Data Scientist

VISHAKHA AHUJA

Operations Manager

VASUDHA SOMANI

Risk Analyst

JASMIN SY

Legal Counsel

BENJAMIN HILLS

Business Manager

Our Story

Credilinq is helmed by Deep Singh, a passionate banker-turned-entrepreneur.

Deep is committed to helping organizations achieve sustainable growth through cost-effective
capital access and innovative financing solutions. Under his leadership, Credilinq aspires to empower
underserved SMEs and offer a transparent, compelling platform for private debt investors.

Deep Singh and Andrew Romeo

meet in high school and spend 6 years in several classes.

1997

Anthony Sapountzis and Andrew Romeo

launch Aerion Technologies.

2007

Deep Singh meets Gideon Aschwanden and Kirit Bhatia in Singapore

Gideon completes his PHD and moves to the US to teach at Princeton and then Melbourne University. Kirit is a key figure in closing down RBS' operations in Asia. He and Deep speak about the crypto market regularly, launching Kirit's pivot to the blockchain world.

2010- 2014

Deep Singh meets Hasto Kristiyono & Khiro Mishra

on campus at Harvard Business School.

2011- 2015

Deep Singh meets Steven Nocka & James Li

at Bank of America Merrill Lynch in the Global Trade & Supply Chain business. The three colleagues are key to the BAML franchise and grow the loan book to >$15 billion. Deep Singh and Saikat Mukherjee meet at Bank of America Merrill Lynch and actively engage on deal opportunities.

2012- 2017

Deep Singh and John Darby meet

meet working at a $1.3 billion credit hedge fund. By 2020, they have worked together in launching new funds and remediating the wind-down of several other funds hit by Covid-19 related investor outflows.

2018

Deep Singh meets James Coffey

and discuss how to disrupt the credit underwriting process. James leaves Experian and joins CrediLinq.Ai advisory team.

2020

Scale Head of Your Peers with Our Embedded Finance Solution

Integrate CrediLinq.Ai’s checkout financing solution today and take your platform to new heights.

Nurture New Revenue Streams –
Empower SMEs on your platform with affordable
merchant financing solutions and nurture new revenue streams.
Grow Your Partner Base –
Gain a competitive edge with our end-to-end integrated embedded financing solution and scale ahead of your peers.
Increase Your Platform Stickiness –
Strengthen your platform stickiness by
empowering your partners with affordable and instant access to business lending solutions.
Strengthen Your Brand Awareness –
Increase your brand awareness with a fully
integrated native platform experience.
Scale New Heights –
Take your platform to new heights by offering your partners affordable credit at their point of need.

100+

A Team With Over 100+ Years of Financial Experience

500+

Over 500 Points of Data
are Analyzed

130K

We Aim To Connect Over 130,000 SMEs to Capital

Our cutting-edge technology enables accurate analysis, more intelligent underwriting, better risk management and early-warning signals for efficient and ongoing monitoring.

Vikram Kotibhaskar, Chief Executive Officer