Credibur, which provides an automated infrastructure platform for managing private credit efficiently and transparently, has raised $2.2 million in a pre-seed funding round led by Redstone.
- Founded in 2024 by Nicolas Kipp, Credibur develops a modular software platform that automates the management of structured credit facilities between non-bank lenders and institutional capital providers.
- The company replaces fragmented tools and spreadsheet-based workflows with a centralized infrastructure layer designed for the private credit market.
- Credibur’s API- and AI-first platform manages the full lifecycle of structured debt, from drawdown automation and SPV setup to covenant monitoring, portfolio analytics, and institutional reporting.
- Its system connects alternative lenders, such as buy now, pay later providers and factoring companies, with institutional investors like asset managers, debt funds, and family offices.
- The firm’s infrastructure helps its clients achieve 90% less manual reporting, full visibility for capital providers, and a significant reduction in capital costs. It also includes backup servicing capabilities to ensure continuity in case of defaults.
Details of the deal
- Credibur’s $2.2 million pre-seed round was led by Berlin-based VC Redstone, with participation from MS&AD Ventures and Inovia Capital.
"Nicolas has already proven with Banxware and Ratepay that he can master the complexity of the credit business. With Credibur, he's now solving the next fundamental problem: manual debt facility management is slowing growth across the entire private credit sector. His infrastructure can finally digitalise this €430 billion industry in Europe," claims Timo Fleig, Managing Partner at FinTech VC Redstone.
- The investment also saw support from prominent angel investors, including Malte Rau, Estelle Merle, Charlotte Pallua, and Bjarke Klinge Staun.
- The fresh capital will enable the firm to accelerate the technical development of its API- and AI-first platform, expand its team, and drive customer acquisition as it scales its automated private credit infrastructure.
