The Berlin fintech, which raised $2.2M in pre-seed in July 2025, has connected clients managing €2 billion in structured debt portfolios to its continuous monitoring and reconciliation platform, faster than almost any comparable infrastructure startup.
Credibur, the Berlin-based infrastructure fintech building operational control software for non-bank lenders and their capital providers, has reached €2 billion in debt facility volume on its platform, six months after emerging from stealth and closing its pre-seed round.
The figure reflects the structured debt portfolios connected to Credibur’s platform, which provides continuous monitoring, independent verification, automated eligibility and covenant checks, and backup servicing for lenders operating in private credit markets.
The milestone is notable for its speed. The company closed a $2.2 million (€1.85 million) pre-seed in July 2025, led by European fintech VC Redstone, with participation from MS&AD Ventures, Canadian VC Inovia, and a group of angels from the fintech world including Malte Rau (founder of Pliant), Estelle Merle and Charlotte Pallua (co-founders of Topi), and super angel Bjarke Klinge Staun.
Six months after that announcement, Credibur’s clients collectively manage €2 billion in facilities on the platform, spanning consumer lending, leasing, invoice finance, and SME credit. Named clients include diamond and gemstone marketplace Nivoda, fund manager Montold, and digital leasing provider Greenleaze.
The problem Credibur is addressing has been underserved precisely because it is unglamorous. European structured credit markets represent over €1.27 trillion in outstanding volume, according to AFME, and placed securitisation volumes surged 65% between 2023 and 2025.
But the operational infrastructure for managing these portfolios has not kept pace. In most setups, once capital is committed, lenders cannot independently verify eligibility checks, reconcile cashflows against reported portfolios, or monitor covenant compliance in real time.
Errors and data quality issues go undetected until the next reporting deadline. Credibur replaces periodic reporting with continuous monitoring: the platform connects directly to originators, servicers, and payment systems, reconciling data against actual cash flows on up to a daily basis.
Nicolas Kipp, Founder and CEO, co-founded embedded lending platform Banxware and served as Chief Risk Officer at Ratepay before starting Credibur in late 2024.
His framing of the opportunity is straightforward: non-bank lending has scaled faster than the operational infrastructure behind it. The €2 billion figure is, for him, evidence that the demand was already there.
Montold, a fund manager, is highlighted as Credibur’s first partner to validate portfolio-level operations across multiple facilities simultaneously, the more complex use case the platform is designed to serve at scale.
