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.
