Credibur

Credibur is a Berlin-based fintech founded in 2024 that automates the operational infrastructure for credit facilities between non-bank lenders and institutional capital providers. The platform covers the core agent roles in warehouse facilities and securitization transactions: Calculation Agent, Verification Agent, Reporting Agent, Cash Manager, and Backup Servicer. It replaces manual, error-prone Excel processes with auditable automation. The team brings experience from the fintech startup Banxware and payment risk management at Ratepay, and works with originators, servicers, and investors across the European ABF and securitization market.

Credibur handles the ongoing management of credit facilities and securitization structures across the full lifecycle. The Calculation Agent automates borrowing base calculations, covenant monitoring, and concentration limits. The Verification Agent checks asset data for consistency and eligibility, including safeguards against double pledging. The Reporting Agent produces investor reporting as well as ESMA filings under Article 7 of the Securitisation Regulation; the first filing to BaFin is live in production. The Cash Manager manages capital calls, repayments, and payment flows between originator and investor. The Backup Servicer safeguards a portfolio's servicing continuity, including tested activation in a real-world scenario. Target customers are non-bank lenders, institutional investors, and banks in warehouse and ABS structures.