TIMVERO and Credibur Partner to Close the Infrastructure Gap in Non-Bank Lending
TIMVERO and Credibur are changing that. Today, the two companies announce a strategic partnership that connects the timveroOS Building Platform covering full-lifecycle loan origination and servicing with Credibur's structured credit operations platform, which automates debt facility management, covenant monitoring, and capital reporting for institutional lenders. Together, the two platforms form a complete operational stack for non-bank lenders operating with external funding structures.
The Problem Both Companies Were Built to Solve
Non-Bank Lending Has Scaled. Its Infrastructure Has Not
The European structured credit market now represents over €1.27 trillion in outstanding volume, with securitisation issuance reaching €252 billion in 2025 alone (AFME, 2025). The growth of non-bank lending — across BNPL providers, leasing companies, factoring platforms, SME lenders, and private credit funds — has been extraordinary.
The infrastructure behind it has not kept pace.
Most non-bank lenders today manage two distinct operational realities with tooling that was not designed to connect them:
- The asset side: loan origination, underwriting, disbursement, servicing, collections. This is where loans live — and where most lending software plays.
- The liability side: debt facility governance, drawdown automation, covenant tracking, borrowing base calculations, investor reporting. This is where the capital behind those loans is managed — and where operational gaps are most dangerous.
When these two layers are disconnected, lenders face a predictable set of problems. Eligibility reporting is manual and delayed. Covenant breaches go undetected between reporting cycles. Drawdown requests require cross-referencing multiple systems. Lenders and their capital providers are working from different versions of the same data.
Two Specialised Platforms, One Connected Stack
TIMVERO builds the foundational infrastructure for running a lending business. The timveroOS Building Platform — a framework-native lending system built on Java/Spring Boot — covers the full loan lifecycle: from application and underwriting through disbursement, portfolio management, and collections. Its architecture gives lenders and fintechs full code ownership and the ability to configure any product type without waiting on a vendor roadmap. To date, timveroOS manages over $5.5B in loan portfolios across 13+ countries, processing 7,000+ daily loan applications.
Credibur builds the operational layer for structured debt. Backed by European fintech VC Redstone, Credibur connects directly to originators, servicers, and payment systems — reconciling portfolio data against actual cash flows on an ongoing basis. The platform automates eligibility checks, covenant monitoring, concentration limit tracking, borrowing base calculations, SPV oversight, and payment reconciliation in real time. Within six months of closing its pre-seed funding round, Credibur reached €2 billion in debt facility volume on its platform.
The partnership integrates these two platforms so that data flowing through timveroOS — loan-level performance, payment events, portfolio composition — can flow directly into Credibur's facility layer without manual extraction, reformatting, or reconciliation.
What the Partnership Delivers for Non-Bank Lenders
From Loan Event to Facility Reporting — Without Manual Steps
Under the integrated stack, a payment event processed in timveroOS triggers an automatic update in Credibur's facility dashboard. Portfolio eligibility is rechecked against facility criteria in real time. Covenant compliance is monitored continuously rather than at the next reporting deadline. Drawdown requests can be generated based on actual portfolio data flowing from the origination system.
For non-bank lenders managing revolving facilities, warehouse lines, or multi-party credit structures, this eliminates the most error-prone part of the operation: the manual data transfer between the lending platform and the facility reporting layer.
Backup Servicing with Operational Continuity
A critical feature of the integrated partnership is backup servicing readiness. Credibur acts as backup servicer for client facilities — a function that depends on having a consistent, auditable operational view of the loan portfolio at all times. With timveroOS as the origination and servicing system, Credibur's backup servicing capability is operationally connected to the live portfolio from day one, rather than requiring a data migration in a crisis scenario. For capital providers, this means backup servicing is operationally live from day one, not a contractual promise that depends on emergency data migration when something goes wrong.
A Faster Path to Institutional Capital
For growing non-bank lenders seeking to attract or expand institutional funding, the timveroOS + Credibur stack addresses a common friction point: lenders need to demonstrate operational control and reporting quality before institutional capital providers will commit. The integrated platform provides what institutional investors and debt funds actually require before committing capital: continuous data feeds from the origination system, automated borrowing base calculations, and audit-ready reporting across the facility lifecycle.
Who This Partnership Is For
The TIMVERO and Credibur partnership is designed for non-bank lenders operating with external debt facilities or seeking to build that structure as they scale. This includes:
- BNPL and installment lenders managing revolving warehouse lines or asset-backed facilities
- Factoring and invoice finance platforms with borrowing base structures tied to receivables eligibility
- Leasing companies managing multi-facility structures with asset-level tracking requirements
- SME and commercial lenders raising debt capital from asset managers, debt funds, or family offices
- Private credit originators operating under co-investment or fund structures that require continuous covenant monitoring
For lenders already on timveroOS, Credibur's platform can be added as the facility management layer without replacing existing infrastructure. For lenders evaluating a greenfield deployment, the integrated stack provides an end-to-end solution from day one.
Quotes
"Non-bank lenders shouldn't have to choose between a best-in-class origination platform and rigorous facility governance. For too long, those have been two separate problems requiring two separate solutions — and the gap between them has been filled with manual work. This partnership with Credibur gives our clients the complete operational stack: loan lifecycle management on one side, institutional-grade facility oversight on the other. That's the infrastructure modern lending businesses actually need to scale." — Dmitriy Wolkenstein, CEO and Co-Founder, TIMVERO
"The demand side of non-bank lending has grown fast. What hasn't kept pace is the operational infrastructure connecting lenders to their capital providers. Our platform was built specifically to close that gap — to give lenders continuous visibility, automated covenant monitoring, and audit-ready reporting without rebuilding their entire stack. Partnering with TIMVERO means our clients now get the full picture: a lending system that processes the assets and a facility layer that governs the capital. Lenders get facility-grade reporting without building it themselves, and capital providers get continuous visibility without chasing data. That's the combination the market has been waiting for." — Nicolas Kipp, Founder and CEO, Credibur
About the Companies
About TIMVERO
TIMVERO develops loan management software for banks, fintechs, credit unions, and specialised lenders. Its core product — timveroOS — is a Building Platform that covers the full lending lifecycle: origination, servicing, collections, and analytics. The platform manages $5.5B+ in loan portfolios across 13+ countries, with clients including Finom, Cartiga, and AMIO Bank. TIMVERO's agentic AI layer, timveroAI, reduces implementation time from months to weeks. Learn more at timvero.com.
About Credibur
Credibur is a Berlin-based infrastructure fintech that builds the operating platform for structured credit. Its SaaS platform automates debt facility management between non-bank lenders and institutional capital providers — covering drawdown automation, SPV oversight, covenant monitoring, portfolio analytics, and backup servicing. Founded in late 2024 by Nicolas Kipp, Credibur is backed by Redstone and counts fund managers, BNPL providers, and leasing companies among its clients. Learn more at credibur.com.
Frequently Asked Questions
What does the TIMVERO and Credibur partnership mean for non-bank lenders?
The partnership connects timveroOS — which manages loan origination and servicing — with Credibur's debt facility management platform. Non-bank lenders using both systems gain a fully integrated stack where loan-level data flows automatically into facility reporting, covenant tracking, and capital drawdown workflows, eliminating manual reconciliation.
Which types of lenders benefit most from this integrated stack?
The partnership is designed for non-bank lenders operating with institutional debt facilities or warehouse lines: BNPL providers, factoring platforms, leasing companies, SME lenders, and private credit originators. Any lender where portfolio performance on the asset side directly governs facility eligibility and drawdown rights on the liability side.
Can existing timveroOS clients add Credibur without replacing their current setup?
Yes. Credibur is designed to integrate with existing origination and servicing systems. Existing timveroOS clients can add Credibur's facility management layer on top of their current deployment. No replacement of core infrastructure is required.
What is Credibur's backup servicing capability?
Credibur acts as a backup servicer for client debt facilities. Because Credibur maintains a continuous, auditable view of the connected loan portfolio, it can take over operational management of a facility in a disruption scenario without requiring an emergency data migration. Integration with timveroOS makes this continuity operationally immediate.
How does this partnership differ from standard software integrations?
This is a strategic partnership, not a one-time API integration. TIMVERO and Credibur are co-developing joint go-to-market pathways for non-bank lenders, including combined onboarding, shared client support, and a roadmap for deeper data connectivity between the two platforms.
Where can I learn more or request access to the integrated stack?
Contact TIMVERO directly through the request a demo page to discuss your specific lending structure and how the integrated timveroOS + Credibur setup can be configured for your use case.
Ready to Connect Your Lending Infrastructure?
If you're a non-bank lender managing external debt facilities — or building toward that model — the timveroOS and Credibur stack gives you the complete operational infrastructure: loan lifecycle management on one side, institutional-grade facility governance on the other.
