Berlin-based fintech startup Credibur has raised US$2.2 million (€1.85 million) in pre-seed funding to develop its infrastructure platform for credit management.
The round was led by European fintech venture capital firm Redstone, with participation from MS&AD Ventures in Silicon Valley and Canadian VC firm Inovia.
Several notable business angels from the fintech sector also participated, including Malte Rau (founder of Pliant), Estelle Merle and Charlotte Pallua (co-founders of Topi), and investor Bjarke Klinge Staun.
Credibur aims to tackle inefficiencies in debt facility management for non-bank lenders and institutional capital providers.
Founder and CEO Nicolas Kipp brings experience from his time at embedded lending platform Banxware and as Chief Risk Officer at Ratepay.
According to Kipp, Excel-based and manual workflows remain a key bottleneck in managing structured credit portfolios.
“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 said.
The platform is designed to support the full lifecycle of institutional funding, including structuring, reporting, contract management, capital calls, and the administration of special purpose vehicles (SPVs).
Credibur’s solution targets alternative lenders such as buy now, pay later providers, leasing and factoring companies, as well as institutional investors including asset managers, debt funds, and family offices.
Despite the scale of private credit markets, many institutional capital providers still rely on legacy systems or manual processes.
Credibur proposes a modular, API- and AI-driven infrastructure to replace these approaches, aiming to provide direct data integration, reduce human error, and improve decision-making in credit operations.
Credibur is emerging from stealth with its first pilot customers.
The funding will be used to further develop its API- and AI-first infrastructure, acquire new customers, and grow its team.
Featured image credit: Edited by Fintech News Switzerland, based on image by f11photo via Freepik
