Credibur Surpasses €2 Billion in Debt Facility Volume
Infrastructure fintech reaches clients with over €2 billion in combined facility volume within six months of closing pre-seed round.
First partners like fund manager Montold validate Credibur’s platform for portfolio-level operations across multiple facilities.
European structured credit markets represent over €1.27 trillion at the end of Q3 2025 according to AFME – but risk management infrastructure has not kept pace.
Berlin, 1 April 2026 – Six months after emerging from stealth and closing its pre-seed funding round, infrastructure fintech Credibur now serves clients with a total of €2 billion in debt facility volume. The figure reflects the volume of structured debt portfolios connected to Credibur’s platform, which supports clients through continuous monitoring, independent verification, reporting, and backup servicing. With this milestone, the Berlin-based startup demonstrates that portfolio-level governance across multiple debt facilities and fund structures is operationally scalable – at a time where a historic growth in non-bank lending is increasingly confronted with its long-standing infrastructure gap.
Alternative lending scaling faster than its governance
European structured credit markets – from securitisation to private debt facilities – now represent over €1.27 trillion in outstanding volume – and they are still growing fast: placed securitisation volumes surged 65% between 2023 and 2025, from €95bn to €156bn, with total issuance reaching €252bn in 2025 alone according to Association for Financial Markets in Europe (AFME Securitisation Data Snapshot 2025 FY & Q4). The market’s growth has enabled new lending strategies, new fund structures and faster time-to-market for non-bank lenders.
As more capital continues to flow into private credit strategies, lenders face increasing difficulty in maintaining control across growing and complex facility structures. In many setups, once capital is committed, lenders are unable to independently verify the current status of eligibility checks, reconciliation of cashflows with reported portfolios, or covenant compliance. In practice, this means that operational errors, data quality issues, or fraud can go undetected until the next reporting deadlines. This leaves lenders with limited visibility into portfolio activity, meaning capital is deployed but oversight is fragmented.
Continuous Monitoring Instead of Periodic Reporting
Credibur provides an operational monitoring and control system for structured debt portfolios. The platform connects directly to originators, servicers and payment systems, reconciling portfolio data against actual cash flows on an ongoing basis, up to daily. Eligibility criteria, covenants, and concentration limits are checked automatically as data flows into the system. Portfolio logic is applied systemically, creating a consistent, auditable portfolio record accessible by lenders, fund managers, and capital providers alike. Automated anomaly detection across payment flows and portfolio data surfaces 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, supporting a range of non-bank lending and structured credit strategies. Users of Credibur's platform include diamond and gemstone marketplace Nivoda, fund manager Montold, and digital leasing provider Greenleaze – spanning consumer lending, leasing, invoice finance, and SME credit.
“Non-bank lending has scaled faster than the operational infrastructure behind it,” says Nicolas Kipp, Founder and CEO of Credibur. “The tools haven’t kept up the pace. Lenders across the facility lifecycle still manage complex facilities with outdated software and manual data-entry. Reaching over two billion euros in debt facilities on our platform in six months tells us the demand for a solution was there – it just hadn’t been built yet.” Kipp previously co-founded embedded lending platform Banxware and served as Chief Risk Officer at Ratepay.
About Credibur Credibur develops a modular API-and-AI-first infrastructure for automating debt facilities between non-bank lenders and institutional capital providers. The SaaS platform orchestrates the entire credit 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. Credibur helps non-bank lenders and their capital providers scale with confidence by providing software and services for the management of the entire credit lifecycle. The company was founded in late 2024 in Berlin by experienced founder and credit specialist Nicolas Kipp. More information under https://credibur.com/