Frequent Questions

Credibur supports most private credit structures used in non bank lending. This includes forward flow arrangements, SPV-based warehouse facilities, term facilities, lending funds, insurance-backed structures, and hybrid setups with multiple lenders or tranches. The platform models eligibility rules, concentration limits, covenants, borrowing base definitions, amortisation logic, and portfolio segmentation.

Any asset with structured loan or invoice data can be ingested. This includes BNPL receivables, instalment loans, SME term loans, rental agreements, MCAs, factoring receivables, subscription portfolios, mobility financing, solar financing, and similar asset-backed products. As long as data includes identifiers, schedules or expected cash flows, borrower identifiers, and outstanding amounts, the asset class is generally supported.

Yes. Credibur is built for multi-lender and multi-SPV structures. Access rights can be configured per lender or tranche. Waterfall outputs, covenant sets, and borrowing base results can be generated separately for each lender if required.

Reporting is produced from loan-level and repayment-level data. All calculations are transparent and reproducible. Templates are configured per lender, investor or insurer requirement. Reporting can be delivered through dashboards, files or API endpoints.

Yes. Eligibility criteria, concentration limits, covenants, and portfolio thresholds are monitored continuously. Alerts are issued when limits are approached or breached. All rules follow the definitions in the executed facility documentation.

Credibur provides debt investors (debt funds, banks or asset managers) with a neutral and transparent view of the underlying asset pool. Investors can access dashboards that show performance, delinquency, concentrations, covenant status, and borrowing base development based on loan-level and repayment-level data. All calculations follow the definitions in the facility or note documentation. Credibur can act as calculation agent where required. Reporting can be delivered in the format required by funds, banks, insurers, or rating sensitive investors. Access rights ensure that investors see only the information relevant to their tranche or position.

Credibur supports two categories of integrations. The first covers asset and loan-level data such as receivables, repayment information, and borrower details. This data can be transmitted through API connections or scheduled CSV file transfers. Manual uploads are also supported to get started quickly. The second category covers bank account and payment flow data used for reconciliation and monitoring of SPVs or originators. Credibur can connect through Open Banking interfaces, EBICS, bank statement ingestion, or PSP data exports.

The typical integration period is 1 to 3 weeks. Duration depends on data readiness, the customer's internal systems, and the number of asset classes or SPVs included.

Yes. Data is validated for completeness, duplicates, structural inconsistencies, incorrect formats, and rule breaches. Validation ensures accurate reporting and prevents discrepancies in borrowing base or covenant calculations.

Yes. Manual uploads can be used during onboarding or as a fallback method. The same validation rules apply to both automated and manual uploads.

Hot backup servicing means Credibur maintains a continuously updated copy of the portfolio and operational procedures. If the primary servicer cannot perform, Credibur can activate immediately without requiring handover periods or transitional work.

Credibur informs borrowers, initiates dunning flows, reconciles payments, and continues reporting to lenders, EIF, insurers, and other stakeholders. The objective is to keep the facility operational without interruption.

Data is refreshed daily or in real time depending on the agreed integration setup. The borrower and lender determine the required frequency during onboarding.

Yes. All borrower communication relevant to servicing, repayments, or dunning is handled by Credibur using pre-approved templates.

Yes. Escalated or non-paying cases are forwarded to a licensed collections partner. Collection or legal fees are billed directly by the partner. We can work with your existing collection partner or recommend one based on your geography and asset class.

All data is hosted in the European Union. Encryption is applied in transit and at rest. Access control follows strict role-based permissions and monitoring. Hosting in different regions (e.g., MENA) is available upon request.

Yes. All user actions, system events, file transfers, and calculations are logged. Logs can be reviewed during audits or provided to lenders upon request.

Credibur operates under ISO 27001 compliant controls and is progressing toward full certification. Policies, risk assessments, and technical controls are aligned with ISO standards.

Yes. EIF and insurer reporting templates can be generated automatically. Metrics are calculated from underlying loan-level data to ensure accuracy.

Yes. Credibur supports operational management of SPVs including monthly reporting, account reconciliation, lender communication, and coordination with accounting and regulatory partners. We do work with licenced local partners, depending on the preferred jurisdiction.

Yes. Several SPVs can be operated in parallel with separate access rights, facility rules, and reporting streams. Data can also be consolidated for management or board reporting.

Yes. Waterfalls based on seniority, triggers, and allocation rules can be configured. Outputs can be provided to lenders or used internally for reconciliation.

Yes. Credibur can perform the calculation agent function for borrowing base, eligibility tests, covenant status, waterfall allocations, advance rates, and similar contractual metrics. All calculations follow the definitions in the facility agreement. Lenders can request full transparency and reproducibility.

Lenders receive secure accounts with role-based access rights. They can monitor dashboards, download loan tapes, and review covenant status and borrowing base results.

Yes. Loan tapes and repayment files can be downloaded or obtained through API. Templates can be adapted to lender expectations.

Yes. Lenders can monitor exposure, ageing, concentrations, delinquency, covenants, and borrowing base in real time. These dashboards are currently under further development — we are shipping new ones frequently and love getting your feedback on them.

Yes. Credibur performs asset-level verification using data validation, eligibility checks, concentration rules, and cross checks against repayment information. This reduces the risk of ineligible assets entering the borrowing base. If a facility requires verification of physical collateral or site-based assets, Credibur can support this through trusted external partners.

Yes. Credibur can integrate borrower or SPV level bank accounts through supported channels such as API, EBICS, or account statement ingestion. This enables reconciliation of inflows, monitoring of repayment patterns, and cross checks between expected and actual cash flows.

Yes. Facility documentation, SPV contracts, borrower communication templates, and due diligence material can be stored securely within Credibur. Access rights are configurable for lenders, auditors, SPV directors, and originators.

Credibur can check the presence, structure, and consistency of required documents such as loan agreements, invoices, KYC files, or insurance confirmations. Formal legal review is performed by the customer or their counsel.

Pricing is modular and reflects facility size, number of SPVs, required reporting, and optional services such as backup servicing or calculation agent responsibilities. Please reach out to get a custom quote for your specific use case.

Onboarding usually takes 2 to 6 weeks depending on complexity, the number of SPVs, and the availability of customer data. Credibur provides templates and guidance to accelerate the process.

Yes. Combined pricing is available for customers using both modules. This reduces operational cost and provides a more streamlined setup.

Yes. Credibur works with regulated institutions, banks, funds, and experienced originators. Earlier stage lenders can be supported if data quality and internal readiness meet minimum requirements.

Credibur primarily supports facilities and originators operating in Europe, the UK and the US. Asset and loan-level data can be integrated regardless of the borrower's country as long as the data structure is compatible. Backup servicing, SPV services, and calculation agent responsibilities are available in the European Union and selected additional markets depending on legal and operational requirements.