WE ARE DISRUPTING THE WAY TRADITIONAL LENDING IS DONE
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.


Get Connected

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.

Get Connected
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Flexible & Customised Experiences
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Scale Order Value
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100+ Years of Financial & Tech Experience
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Advanced AI/ML Capabilities

How Our Technology Solves Challenges SMEs Face:

 

BORROWERS

We weren't satisfied with only reconstructing or digitizing the credit application process, we wanted to reimagine and revolutionize it.

Your user experience is paramount. Our technology allows SMEs to receive in-principal approval within minutes and be on their way to accessing capital significantly faster than traditional lending options.

INVESTORS

Our proprietary technology supports real time data analytics to mitigate risk factors quickly.

Additionally, our machine learning and AI capabilities generates intelligent insights and up to date reporting for transparency and peace of mind for our investors.

Meet The Team


Our team is powered by more than 100 years of collective experience across technology and finance.

We believe in financial inclusion and acknowledge that small and medium-sized businesses are the backbone
of the economy and deserve fair access to capital.

With this in mind, we have come together to create vital solutions to close this gap
while making the process faster and easier for our clients.

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DEEP SINGH

Founder and Group CEO

VIKRAM KOTIBHASKAR

Chief Executive Officer

MADELEINE BECK

Chief of Staff

PRIYAN FERNANDO

Chief Data Scientist

KAIA REET PARV

Chief Investment Officer

DINESH SINGH

Co-Chief Technology Officer

ANTHONY SAPOUNTZIS

Co-Chief Technology Officer

KRISHNA SONI

Head of Engineering

ANIL KRISHNAN

Lead Engineer

AUDREY NDUM

Software Development Engineer

VIKRAM PARIKH

Product Owner

PRASADI KURUPPU

Data Scientist

Arpan Sarma

Content & Marketing Specialist

JASMIN SY

Legal Counsel

CHARLYN STEWART

Product Manager

YI HENG TAN

Support Data Scientist

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.

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Deep Singh and Andrew Romeo

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

1997
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Anthony Sapountzis and Andrew Romeo

launch Aerion Technologies.

2007
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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
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Deep Singh meets Hasto Kristiyono & Khiro Mishra

on campus at Harvard Business School.

2011- 2015
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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
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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
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Deep Singh meets James Coffey

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

2020

CrediLinq.Ai Helps You Stay Ahead of Your Business Goals

CrediLinq.Ai connects businesses on your platform to capital within your ecosystem.

Let's Do This

  • Credi.Insights
    Leverage Your Financial History By Integrating Your Transactional History With Our Alexi Platform

  • Credi.Score
    Customized Credit Rates With Flexible Terms For Your Business

  • Credi.Limit
    Accelerate Your Business Growth Capacity With Connection to Capital

  • Credi.Monitoring
    Stay Up To Date On The Lending Performance On Your Platform With Real-Time Monitoring Insights

  • Credi.Team
    High Performance & Secure Technology Built By a Team With Over 100+ Years in Finance & Technology

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.

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Vikram Kotibhaskar, Chief Executive Officer
CERTIFIED FINTECH MEMBER OF SINGAPORE FINTECH ASSOCIATION AND FOUNDING MEMBER OF SME CREDIT ANALYTICS CONSORTIUM.