Credibur Scales Rapidly: €2 Billion in Structured Debt Facilities in Six Months

Infrastructure fintech company Credibur has brought more than two billion euros in debt facilities to its platform just six months after its launch. According to the company, these are structured loan portfolios.

The loan portfolios are connected to Credibur’s platform and are supported by continuous monitoring, independent verification, reporting, and backup servicing. According to the fintech company, it offers an operational monitoring and control system for structured loan portfolios.

The platform connects directly to originators, servicers, and payment systems, continuously synchronizing portfolio data – even daily – with actual cash flows. Creditworthiness criteria, covenants, and concentration limits are automatically checked as data is fed into the system.

Credibur’s automated detection of anomalies in payment flows and portfolio data

The portfolio logic is applied systematically, creating a consistent, audit-ready portfolio dataset that is equally accessible to lenders, fund managers, and investors. Automated detection of anomalies in cash flows and portfolio data uncovers servicing errors as they occur, rather than retrospectively through reporting cycles.

Credibur works with a growing group of lenders, originators, and fund managers in Europe, the UK, and the US. It also supports non-bank lending and structured credit strategies. Users of the Credibur platform include the diamond and gemstone marketplace Nivoda, the fund manager Montold, and the digital leasing provider Greenleaze. The platform covers consumer loans, leasing, invoice financing, and SME loans.

“Non-bank lending has scaled faster than the operational infrastructure behind it. The necessary tools have not kept pace. Lenders are still managing complex structures throughout the entire facility lifecycle with outdated software and manual data entry”, said Nicolas Kipp, founder and CEO of Credibur.

The fact that Credibur reached over two billion euros in debt facilities on the platform in six months shows that the need for a solution existed, but one did not yet exist.

According to its own statements (website) Credibur develops) a modular API-and-AI-first infrastructure for automating loan refinancing processes between non-bank-based lenders and institutional capital providers.

The SaaS platform orchestrates the entire lending 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.

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(Featured image by Lukasz Radziejewski via Unsplash)

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First published in IT Finanzmagazin. A third-party contributor translated and adapted the article from the original. In case of discrepancy, the original will prevail.

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