How Credibur Solves the Operational Gap in European Debt Facilities

Raising or running a debt facility in Europe has become operationally complex fast. More lenders, more data sources, more reporting requirements. Yet most of the infrastructure holding it together is still built on spreadsheets and manual processes.

The deeper problem is structural because every party in a credit facility needs something different from the same system. Lenders need verified numbers and a clear audit trail. Borrowers need to manage reporting, compliance, and asset routing without it consuming their team. Trying to solve that with generic tools means someone in the structure is always working around the platform rather than with it.

That's the gap Credibur was built to close.

What Credibur does

Credibur is operational infrastructure for structured credit, delivered as a single platform with three modules. Each is configured for the role you play in the facility.

Calculation and Verification Agent

Credibur acts as an independent, neutral third party for all calculations: eligibility, borrowing base, waterfall, and concentration limits. Performance is verified against actual bank movements, with fraud signals included. Every calculation carries a full audit trail, and borrowing base certificates are generated automatically. Lenders get numbers they can stand behind.

Debt Facility Operations

A single source of truth across all facilities, consolidating multiple data sources and lenders into one place. Each lender receives reporting in their own format. Compliance tracking and asset routing handled from one platform. Borrowers stop managing the infrastructure and start focusing on the business.

Hot Backup Servicing

A live portfolio copy updated daily, with activation readiness monitored continuously. Playbooks are in place for debtor communication, dunning, and collections. If an originator fails, servicing resumes in hours. Lenders get continuity. Borrowers carry no standby overhead.

Built for the whole structure

Most platforms are built for one side of a facility. Credibur is built for all of them, from a single data source, configured per party.

If you're setting up or scaling a debt facility and want to see how Credibur fits your structure, get in touch.