TIMVERO and Credibur team up on integrated lending infrastructure

By AI, Created 4:30 PM UTC, May 18, 2026, /AGP/ – TIMVERO and Credibur have formed a strategic partnership to connect loan origination and servicing with real-time facility monitoring for non-bank lenders. The integration aims to cut manual reconciliation, improve covenant oversight, and give lenders and capital providers a single operational view of asset and liability data.

Why it matters: - Non-bank lenders are growing faster than the infrastructure that supports their funding operations. - The partnership aims to reduce manual reconciliation between loan portfolios and institutional debt facilities. - The integration is designed to lower operational risk, speed reporting, and improve visibility for lenders and capital providers.

What happened: - TIMVERO and Credibur announced a strategic partnership to deliver integrated lending infrastructure for non-bank lenders operating with institutional debt facilities. - The announcement connects TIMVERO’s timveroOS loan lifecycle management platform with Credibur’s structured credit operations platform. - The combined system is intended to move loan-level events from origination and servicing into facility governance in real time.

The details: - timveroOS covers loan origination, servicing, collections, payment processing, and analytics. - Credibur’s platform automates debt facility management, covenant monitoring, drawdown workflows, capital reporting, borrowing base calculations, eligibility monitoring, and investor reporting. - The integrated stack removes the manual data transfer that often sits between asset-side loan operations and liability-side facility oversight. - For lenders, the setup is designed to generate drawdown requests from actual portfolio composition and provide an audit-ready data trail. - For institutional capital providers, the platform is intended to provide continuous portfolio visibility, automated anomaly detection, and standardized reporting aligned with covenants and concentration limits. - The partnership also connects Credibur’s backup servicing capability to the live timveroOS portfolio from day one. - TIMVERO says timveroOS manages more than $5.5 billion in loan portfolios across 13-plus countries and processes more than 7,000 loan applications daily. - TIMVERO says its timveroAI layer reduces implementation time from months to weeks. - Credibur says it reached €2 billion in debt facility volume within six months of closing its $2.2 million pre-seed round led by Redstone. - Credibur was founded in late 2024 by Nicolas Kipp, who previously co-founded Banxware and served as chief risk officer at Ratepay. - TIMVERO lists public clients including Finom, Cartiga, and AMIO Bank. - Credibur lists clients including Nivoda, Montold, and Greenleaze. - TIMVERO is based in London, and Credibur is based in Berlin. - TIMVERO serves banks, fintechs, credit unions, and specialized lenders. - Credibur’s platform is API- and AI-first SaaS focused on structured credit operations. - The companies cite European structured credit markets at more than €1.27 trillion in outstanding volume, with securitisation issuance reaching €252 billion in 2025, based on AFME 2025 data.

Between the lines: - The partnership reflects a broader push to connect two parts of lending that often run on separate systems: the loan book and the funding facility. - If the integration works as planned, lenders could replace spreadsheets and periodic reporting cycles with continuous facility oversight. - The alliance also gives each company a clearer role in the stack, with TIMVERO handling asset-side operations and Credibur handling capital-side governance.

What’s next: - TIMVERO and Credibur will focus on delivering the integrated data layer to shared customers. - Non-bank lenders using the stack should be able to monitor covenant compliance, eligibility, and drawdowns against live portfolio data. - Institutional funders are expected to gain a more continuous view of portfolio performance and facility risk. - More information and the company’s announcement are available on the companies’ websites.

The bottom line: - The partnership tries to make non-bank lending operate more like a unified system, with loan data and capital controls connected in real time.