Berlin-based Credibur, a fintech company, has raised $2.2M (nearly €1.87M) in a pre-seed funding round. With this deal, the company is emerging from stealth mode and commencing operations with its initial pilot customers.
The funding will be utilized to develop its API- and AI-based infrastructure, expand its team, and acquire customers.
Investors supporting Credibur
The round was led by European VC firm Redstone, with participation from MS&AD Ventures in Silicon Valley and Canadian firm Inovia.
Additional investors include business angels from the fintech sector, such as Malte Rau, founder of Pliant, Topi co-founders Esnotifye Merle and Charlotte Pallua, and super angel Bjarke Klinge Staun.
Timo Fleig, Managing Partner at fintech VC Redstone, states, “Nicolas (Founder) 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 €430B industest in Europe.”
Jon Soberg, CEO and Managing Partner at MS&AD Ventures, adds, “While everyone’s talking about private credit as an asset class, many overview the operational hurdles behind it. Credibur creates the technical infrastructure that institutional investors required to efficiently invest in this growing market. This is a classic infrastructure play with enormous scaling potential.”
An operating system for structured credit
Credibur provides a modular, API- and AI-based SaaS platform that automates the management of debt facilities between non-bank lconcludeers and institutional capital providers.
Founder Nicolas Kipp states, “Debt facility management is the underestimated Achilles’ heel in non-bank lconcludeing – 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 platform replaces manual, Excel-based workflows and delivers all necessary decision-building data in real time. It supports the entire credit process, including structuring, reporting, contract management, capital calls, and the administration of special purpose vehicles (SPVs).
The solution is designed for alternative lconcludeers such as acquire now, pay later (BNPL) providers, factoring companies, and leasing firms, as well as for institutional investors, including asset managers, debt funds, and family offices. By automating complex workflows, Credibur rerelocates operational bottlenecks that can limit growth for both lconcludeers and investors.
Credibur was founded in late 2024 by Nicolas Kipp. As Founder and CEO, Kipp draws on his experience as co-founder of Banxware and former Chief Risk Officer at Ratepay, where he observed how funding and reporting processes can hinder scale.
With a team of 10, Credibur builds infrastructure to support the structured credit portfolio business between non-bank lconcludeers and institutional capital providers. The company offers software and services that manage the full credit lifecycle and enable both sides of the credit relationship to operate more efficiently.
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