About Us
We’re building the financial infrastructure that lets cross-border SMEs grow without giving up equity.
Who We Are
OceanX AI is a Singapore-based trade finance company purpose-built for small and medium businesses that import, distribute and export across Asia, Europe and the United States. We provide structured inventory and receivables finance — capital that moves at the speed of trade.
Our AI-driven underwriting platform assesses real trade flow — purchase orders, invoices, shipping data — not just balance sheets. This means faster decisions, higher approval rates, and finance that actually matches how your business operates.
Our Mission
“To unlock growth capital for the world’s cross-border SMEs — without diluting their ownership.”
How We’re Different
AI Underwriting
Real-time trade flow assessment — faster decisions, fewer rejections.
Trade-First Structure
Built around how goods actually move, not how banks prefer to lend.
Global Reach
Singapore and UK offices. Active across Asia, Europe and North America.
Leadership
Vishal Harishchandra
Chairman, CEO & Founder
Vishal founded OceanX AI to close the trade finance gap for cross-border SMEs — combining deep fintech expertise with a first-principles approach to credit, inventory, and risk.
Ready to work with us?
Get in touch and find out how OceanX AI can finance your next trade cycle.
Contact Us