German FinTech platform Credibur secures €1.85 million for novel private credit infrastructure

Berlin-based FinTech Credibur has secured €1.85 million in pre-Seed funding to emerge from stealth and launch its credit infrastructure platform that automate debt facilities between non-bank lenders and institutional capital providers.

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 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.

“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,” said Nicolas Kipp, Founder and CEO.

Founded in 2024 by Nicolas Kipp, 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 entire 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 aims to help non-bank lenders and their capital providers scale with confidence by providing software and services for the management of the entire credit lifecycle.

As Co-Founder of embedded lending platform Banxware and Chief Risk Officer at Ratepay, Kipp outlines how 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 looks to solve 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 platform goes 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).

“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.

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.

The company says that the majority of institutional capital providers continue to rely on manual processes or outdated systems to this day. Credibur replaces these with their modular API-and-AI-first infrastructure. This enables a more informed risk assessment and improved decision-making in the credit business.

“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.