Why CrediLinq

A colossal credit gap of USD 5 trillion among Small and Medium-sized Enterprises (SMEs) worldwide exists. Our organization utilizes exclusive credit scoring and underwriting models to alleviate this situation to bridge this credit gap, one loan at a time. By pioneering credit-as-a-service for SMEs globally, we are determined to leverage our proprietary credit scoring and underwriting models as a beacon of hope in bridging this gap.

Working Strategy

CrediLinq has developed an advanced AI and data analytics system to assist businesses in securing capital. This system employs cutting-edge machine learning algorithms and data analysis techniques to give businesses valuable insights and improve their creditworthiness. By leveraging CrediLinq's system, businesses can analyze financial data and gain insights into their credit risk profiles, enabling them to make informed decisions and secure financing with greater ease. Furthermore, CrediLinq's platform offers a user-friendly interface and seamless integration with existing financial systems, streamlining the capital acquisition process for businesses of all sizes.

Here are the strategies adopted by CrediLinq to cover up the SMEs credit issues.

B2B Embedded Finance

Embedded finance refers to the integration of financial services into a non-financial environment. This entails enabling customers to conduct financial transactions, such as paying for services or products, within a non-financial application. A notable example of this is Meta's Instagram, which allows consumers to shop and make payments for products without the need to exit the platform. By incorporating financial services into non-financial environments, embedded finance streamlines the customer experience and reduces the time and effort required to conduct financial transactions.

Credit-as-a-Service

Credit-as-a-service or embedded credit is a technology use case that allows for seamless financing of transactions at checkout for B2B customers. This technology further provides merchants with access to financing from within the platform. One of the notable advantages of this technology is that both parties receive financing instantly, as opposed to traditional lenders who may take weeks to provide approval. This capability streamlines the financing process for B2B transactions, offering an efficient and convenient solution for businesses seeking to finance their operations.

Credit Underwriting Approach

CrediLinq's credit scoring and underwriting models are entrenched in CrediLinq's data science and credit risk expertise. CrediLinq assesses the alternative data points shared by the platform by leveraging advanced data science, credit risk, AI, and ML models to determine the appropriate credit line and fees. CrediLinq continually monitors the transaction history of businesses, enabling the prompt identification of deterioration and forecasting the probability of default. As CrediLinq is embedded in the platform, its algorithms can accurately forecast a business's declining or improving health by assessing its performance in terms of sales, cash reserve, burn rate, and inventory. This allows CrediLinq to comprehensively evaluate a business's financial health and increase credit access while minimizing credit risk and default exposure.