Private credit fintech Credibur raises $2.2m
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The round is led by European FinTech VC Redstone, followed by Silicon Valley's MS&AD Ventures and Canadian VC Inovia. The round also includes several prominent business angels from the FinTech scene, including Malte Rau, Founder of Pliant, Topi Co-Founders Estelle Merle and Charlotte Pallua, along with super angel Bjarke Klinge Staun.
From Manual Spreadsheets to Automated Solutions
Nicolas Kipp, Founder and CEO of Credibur, knows the industry's challenges firsthand. As Co-Founder of embedded lending platform Banxware and Chief Risk Officer at Ratepay, he witnessed daily 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.
"Debt facility management is the underestimated Achilles' heel in non-bank lending – operationally complex and technologically neglected. With Credibur, we're digitalising this final frontier in the value chain and efficiently connecting institutional capital with new credit models," Kipp explains.
The new platform for debt facility management goes far beyond traditional reporting tools, orchestrating the full 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.
Private Credit: A High-Growth Market Facing Hurdles
The majority of institutional capital providers continue to rely on manual processes or outdated systems to this day.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 rapidly. 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.
"Nicolas has already proven with Banxware and Ratepay that he can master the complexity of the credit business. With Credibur, he's now solving the next fundamental problem: manual debt facility management is slowing growth across the entire private credit sector. His infrastructure can finally digitalise this €430 billion industry in Europe", says Timo Fleig, Managing Partner at FinTech VC Redstone.
"While everyone's talking about private credit as an asset class, many overlook the operational hurdles behind it. Credibur creates the technical infrastructure that institutional investors need to efficiently invest in this growing market. This is a classic infrastructure play with enormous scaling potential," adds Jon Soberg, CEO and Managing Partner at MS&AD Ventures.
With this funding round, Credibur is emerging from stealth mode and is already launching with its first pilot customers. The fresh capital will flow into technical development of the API-and-AI-first infrastructure, customer acquisition, and team expansion.
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