Credibur Raises $2.2M to Revolutionise Private Credit with AI-First Infrastructure

Credibur Emerges with $2.2M to Digitise Private Credit Infrastructure

Berlin-based fintech startup Credibur has raised $2.2 million in pre-seed funding to reshape the private credit landscape using cutting-edge infrastructure. The investment supports its mission to streamline debt facility management, a traditionally complex and underserved segment in non-bank lending.

Credibur, a company founded with an API- and AI-first strategy, aims to modernise the often-neglected operational side of private credit. With growing demand for automation and connectivity, private credit now requires purpose-built infrastructure that offers scale, flexibility, and speed.

Aiming to Solve a Long-Standing Bottleneck in Private Credit

Private credit has quietly become one of the fastest-growing asset classes globally, yet its underlying infrastructure remains surprisingly manual and fragmented. Credibur steps in with a modular SaaS platform that targets lenders and institutional capital providers who struggle with outdated systems.

The company’s AI-driven platform helps automate debt workflows for products like buy now, pay later, factoring, and equipment leasing. At the same time, it supports investors such as asset managers, family offices, and private debt funds by improving visibility and efficiency.

Backed by Europe’s Leading Fintech Investors

Credibur’s $2.2 million round was led by European venture capital firm Redstone, which focuses on fintech infrastructure investments. Other investors include MS&AD Ventures from Silicon Valley and Canadian-based Inovia Capital. Several seasoned fintech founders and super angels also joined the round, bringing valuable strategic guidance.

The momentum reflects growing investor confidence in Credibur’s potential to scale across the $430 billion private credit industry in Europe. The keyphrase private credit remains central to the company’s product vision and market positioning.

Addressing the “Achilles’ Heel” of Non-Bank Lending

Founder and CEO Nicolas Kipp, previously with Banxware and Ratepay, views debt facility management as the industry’s blind spot. He believes that private credit has expanded rapidly, but its backend processes still lag behind modern lending innovation.

Kipp said that with Credibur, his team is digitalising what he calls the final frontier—where new credit models meet old operational limitations. The startup’s infrastructure aims to create an efficient bridge between lenders and capital markets, ensuring trust and speed at scale.

Combining API Flexibility with AI Intelligence

Credibur’s approach uses a modular architecture that can integrate easily into lenders’ or investors’ existing systems. The platform enables real-time decision-making, streamlined compliance, and data-driven credit management—capabilities that traditional financial institutions often lack.

This move represents a significant advancement for private credit infrastructure, making once-complicated workflows faster and more accurate. The system’s AI components help reduce errors, manage risks, and deliver consistent experiences across multiple credit products.

Early Traction with Pilot Clients and Hiring Plans

Credibur has already onboarded its first pilot clients from both the lender and investor sides. These early use cases demonstrate how automation and intelligent design can bring order to what is often a chaotic operational segment.

With the fresh capital, Credibur plans to scale product development, strengthen its infrastructure, grow the team, and expand its market reach. Importantly, it continues to prioritise the private credit segment, reinforcing the relevance of its platform as the space evolves.

Investor Confidence in a Long-Term Infrastructure Play

Timo Fleig, managing partner at Redstone, highlighted how Nicolas Kipp’s past successes lend credibility to Credibur’s vision. He described the platform as a much-needed solution to a long-ignored bottleneck that slows growth in the private credit sector.

Fleig noted that existing systems are no longer sufficient to support institutional-grade private credit workflows, making Credibur’s digital infrastructure a potential market standard.

Building Infrastructure for Scalable and Compliant Lending

Jon Soberg, managing partner of MS&AD Ventures, echoed similar sentiments. He emphasised that while the private credit asset class grows, many overlook the operational burden required to manage it at scale.

According to Soberg, Credibur’s infrastructure simplifies how capital providers evaluate and fund credit models across borders. As private credit matures, scalable and compliant infrastructure will be non-negotiable.

Shaping the Future of Private Credit

As private credit continues to gain global relevance, technology will play an outsized role in shaping how capital flows through modern systems. Fintechs like Credibur bring both agility and credibility to an industry hungry for infrastructure innovation.

By focusing on deep automation and investor-grade compliance, Credibur seeks to define how the next wave of fintechs will manage and scale private credit. The startup is part of a new generation that doesn’t just build lending solutions—but enables the entire ecosystem around it.

This is no longer just about issuing loans. It’s about powering a smarter, leaner, and globally integrated private credit environment for decades to come.

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