Berlin-based Fintech Credibur has secured $2.2 million (€1.85 million) in pre-seed funding to launch its credit infrastructure platform.
The round is led by European FinTech VC Redstone, “followed by Silicon Valley’s MS&AD Ventures and Canadian VC Inovia.”
The funding round includes business angels from the Fintech space, “including Malte Rau, Founder of Pliant, Topi Co-Founders Estelle Merle and Charlotte Pallua, along with super angel Bjarke Klinge Staun.”
Nicolas Kipp, Founder and CEO of Credibur, reportedly “knows the industry’s challenges.”
As Co-Founder of embedded lending platform Banxware and Chief Risk Officer at Ratepay, he claims to have “witnessed how funding and reporting processes can become operational bottlenecks that hinder growth.”
With Credibur, Kipp and his 10-person team are “developing infrastructure that solves a central problem in the structured credit portfolio business between non-bank lenders and institutional capital providers: it automates complex, Excel-based workflows and provides all critical decision-making data in real-time.”
The new platform for debt facility management “goes beyond traditional reporting tools, orchestrating the lifecycle of institutional funding: from structuring through reporting and contract management, to capital calls and the administration of special purpose vehicles (SPVs).”
The solution targets alternative lenders “such as buy now, pay later providers, factoring and leasing companies, as well as institutional investors, including asset managers, debt funds, and family offices.”
The majority of institutional capital providers “continue to rely on manual processes or outdated systems to this day.”
Credibur replaces these with a “modular API-and-AI-first infrastructure.”
This enables a more informed “risk assessment and improved decision-making in the credit business.”
Time-consuming, error-prone Excel lists “managing millions of euros become a thing of the past, as data is delivered directly from systems via interfaces.”
The volume of credit outside the banking sector is growing.
Last year alone, global private credit volume reached approximately €2.1 trillion in assets under management “according to the European Central Bank (ECB), with more than 20 percent (€430 billion) in Europe.”
With his experience in the structured finance business, Founder Nicolas Kipp positions Credibur as “the infrastructure layer between alternative lenders and institutional investors – and as a key enabler for streamlining debt facility management.”
With this funding round, Credibur is said to be “emerging from stealth mode and is already launching with its first pilot customers.”
The capital will flow into technical “development of the API-and-AI-first infrastructure, customer acquisition, and team expansion.”
Credibur develops a modular API-and-AI-first infrastructure “for automating debt facilities between non-bank lenders and institutional capital providers.”
The SaaS platform orchestrates “the credit process between alternative lenders such as buy now, pay later providers, factoring and leasing companies, and institutional investors such as asset managers, debt funds, and family offices.”
Credibur helps non-bank lenders and their capital providers “scale with confidence by providing software and services for the management of the entire credit lifecycle.”
The company was founded in late 2024 in Berlin by “experienced founder and credit specialist Nicolas Kipp.”
