Berlin-based fintech Credibur has secured $2.2 million in pre-seed funding to launch its credit infrastructure platform.
Most institutional capital providers still rely on manual processes or outdated systems. Credibur addresses this with a modular, API- and AI-driven infrastructure that automates debt facilities between non-bank lenders and institutional capital providers. Its SaaS platform streamlines the entire credit process, connecting alternative lenders, such as buy now, pay later providers, factoring, and leasing companies, with institutional investors like asset managers, debt funds, and family offices.
By replacing time-consuming, error-prone Excel spreadsheets with automated data flows through integrated system interfaces, Credibur enables more accurate risk assessment and smarter decision-making in credit operations. With software and services that cover the full credit lifecycle, Credibur helps lenders and capital providers scale efficiently and confidently.
Founded in late 2024 by experienced founder and credit specialist Nicolas Kipp, Credibur aims to modernise credit infrastructure for a more scalable and transparent market.
As private credit volumes surge, reaching approximately €2.1 trillion globally last year, with over 20% (€430 billion) in Europe according to the European Central Bank, Credibur plays a crucial role in modernising debt facility management. Positioned as the infrastructure layer between alternative lenders and institutional investors, Credibur serves as a key enabler for streamlining and scaling credit operations.
Nicolas Kipp, Founder and CEO of Credibur, explains:
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.
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.
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.
Timo Fleig, Managing Partner at FinTech VC Redstone, says:
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.
Jon Soberg, CEO and Managing Partner at MS&AD Ventures, added:
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.
With this funding round, Credibur is emerging from stealth mode and is already launching with its first pilot customers. The new capital will be used to advance its API- and AI-first infrastructure, drive customer acquisition, and grow its team.
Lead image: Nicolas Kipp, Founder and CEO of Credibur | Photo: Uncredited
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