A digital lending and fintech infrastructure startup has secured US$75 million in new funding to scale its embedded credit products across e-commerce, retail and SME ecosystems. The platform provides underwriting models, real-time risk scoring and API-based credit distribution for merchants and financial institutions. Investors highlighted strong adoption among small businesses seeking faster working capital access and improved digital payment infrastructure. The funding will support geographic expansion, new product lines and regulatory compliance. Analysts say embedded finance continues to be one of the fastest-growing fintech categories globally, driven by demand for integrated credit workflows.