Most backup servicing arrangements are signed and never tested. They fail on the day they are needed. Here is the gap between warm standby on paper and warm standby in practice, and what genuine readiness looks like.

What breaks when institutional debt facilities still run on spreadsheets? Nicolas Kipp joined How to Lend Money to Strangers to discuss the infrastructure gap in non-bank lending.

Lenders are making backup servicing a condition of debt facilities. This post explains what the role covers operationally, using Credibur's arrangement with Payla, a European white-label BNPL provider, as a concrete example.

Most debt facility disputes start with a disagreement about a number. This post explains what a calculation agent does and why it matters.

Most founders think about term sheets and covenants first. The SPV comes too late. Here's why the quality of your legal structure matters before anything else is signed, and how to get it right from day one.

SPV structures are back on the agenda. Rising capital requirements and growing demand for alternative credit are pushing more banks and lenders toward structured refinancing. The strategic case is solid but the operational reality is often not.

Six months after launch, over €2 billion in debt facility volume is now running on Credibur. A signal that the infrastructure gap in non-bank lending is real and that lenders are ready to close it.

Lenders need verified numbers. Borrowers need operations that scale. Credibur brings both together in a single platform, configured for every party in the structure.

Private credit AUM in Europe exceeds €430 billion. This post explains why most monitoring processes have not kept pace and what to do about it.

Our founder Nicolas Kipp recently spoke with Kevin Hackl from leading German industry podcast Payment & Banking about how Private Credit works, the different players involved, and what he has learned building companies in this space.

Backup servicing only becomes visible once something has gone wrong. Its value then depends less on contractual appointment and more on whether a reliable operational view of the portfolio can be established quickly enough to support decisions.

Non-bank digital lending in Europe is growing rapidly. Yet despite this growth, many loan portfolios are still managed using Excel spreadsheets, PDFs, and long email threads.

Credibur appoints Anja Kuehnel as VP Operations to strengthen finance, people, process and communications. The Berlin fintech builds digital infrastructure for structured credit and recently raised a 2.2 million dollar pre-seed round.

Credibur was selected among the Top 3 finalists of the Fintech Newcomer Award at DigiFin25 in Berlin, a leading event focused on digital innovation in financial services.

Speed has become a decisive competitive advantage in financial services. Yet in Germany, execution is still too often blocked by regulatory complexity, slow decision cycles, and a risk-averse mindset.

Non-bank lending is growing rapidly, yet refinancing still relies on largely analog structures. Why the digitalization of these processes is becoming a central prerequisite for efficiency, transparency, and growth in the credit market.

Berlin, 23rd July 2025 – Berlin-based FinTech Credibur has secured $2.2 million (€1.85 million) in pre-seed funding to launch its credit infrastructure platform. The round is led by European FinTech VC Redstone, followed by Silicon Valley's MS&AD