Live — UAE Partner Operational

Private credit ops,
automated end-to-end.

LibFi is private credit infrastructure for banks, brokers, and originators. Partners originate and underwrite — LibFi handles everything else: pool setup, investor onboarding, servicing, payouts, and reporting.

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$2M
In loans originated
and fully repaid
$100M
Follow-on pipeline
with UAE partner
$5.7T
SME financing gap
in emerging markets
The Problem

Small deals kill
private credit margins.

A $50K SME loan costs about the same to underwrite as a $5M loan. Manual reconciliation, inconsistent reporting, and operational overhead make small-ticket credit economically unviable at scale — for everyone in the chain.

$5.7T
MSME financing gap in emerging markets
and developing economies (EMDEs)
01
Originators are stuck on spreadsheets
Pool setup takes days to weeks. Manual reconciliation after every disbursement. No standardised reporting to show investors. Ops cost per ticket stays fixed — killing margin on small loans.
02
Investors get inconsistent reporting
Every originator sends statements in a different format, on a different schedule, with different definitions. Institutional investors cannot compare or audit positions across originators.
03
Small-ticket SME credit is structurally excluded
Approval rates for small business loans remain at 13–19%. The infrastructure to originate, service, and report on sub-$1M pools simply doesn't exist in compliant, scalable form.
The Solution

One platform. Same-day setup.
Near-zero ops cost per ticket.

Partners originate, underwrite, and manage collections. LibFi automates everything in between — from pool configuration to investor payouts — so the economics of small deals finally work.

Without LibFi
Days to weeks to configure a pool
Manual reconciliation after every disbursement
Fixed ops cost regardless of ticket size
Inconsistent investor reporting per originator
With LibFi
Same-day pool configuration and launch
Automated servicing, cash flows, and monitoring
Near-fixed software cost — margin improves at scale
Standardised reporting across all originators
Pool Configuration
Terms, eligibility criteria, return structure, and compliance settings — defined by partner, live the same day via portal or API.
Investor Onboarding
KYC, documentation, and commitment workflows — fully automated through partner portal or API integration. No manual chasing.
Automated Servicing
Cash flow tracking, monitoring, payout scheduling, and investor statements — all handled end-to-end. Partners focus on origination and collections.
Compliance Rails
Policy-driven and Islamic-aligned structures where required. Compliance-first architecture designed for EMDE regions and regulated markets.
How It Works

An end-to-end private
credit operations layer.

Partners bring the origination. LibFi brings the infrastructure. Three steps, fully automated, with an auditable cash-flow ledger at the centre.

01
Partner creates a pool
Define the borrower type, ticket size, tenor, return structure, and eligibility criteria. LibFi configures the pool — terms, compliance, KYC/AML settings — and makes it investor-ready in hours, not weeks.
Partner-controlled configuration
Examples
SME pool: $50K working capital pool, 6–24 month tenor, profit-share return, launched same day.
Broker pool: $100K tranche from a larger fund, opened to a broader investor base.
02
Investors fund the pool
Eligible investors — retail where permitted, HNWIs, family offices, and institutional capital — onboard through automated KYC, documentation, and commitment workflows. Available via partner portal or API.
Automated onboarding & KYC
03
LibFi automates the rest
From first disbursement to final repayment — cash flows, monitoring, payout scheduling, investor statements, and standardised reporting are handled automatically. Partners stay focused on what they do best: origination and collections.
Auditable cash-flow ledger
Who It's For

Built for the full
private credit chain.

LibFi sits in the middle — connecting originators, investors, and borrowers on a single compliant infrastructure layer.

Originators & Partners
Banks, Brokers & Lenders
Licensed financial institutions and SME lenders who want to launch investor-ready credit pools without building the infrastructure themselves.
Same-day pool setup via portal or API
Retain origination and collection control
Earn origination and servicing fees
Islamic-aligned structures available
Capital Providers
Institutional & Accredited Investors
HNWIs, family offices, and institutional capital seeking diversified real-economy yield with transparent, auditable cash-flow reporting.
Standardised statements across all pools
Auditable cash-flow ledger
Access via partner portals or AI layer
Diversified real-economy exposure
Borrowers
SMEs & Working-Capital Seekers
Growing businesses in emerging markets who need working capital and have been structurally excluded from traditional financing due to ticket size and ops cost.
Accessed via licensed originator partners
Profit-share and fixed-return structures
Ticket sizes from $10K to $1M+
6–24 month tenors, partner-defined
Market Opportunity

Start with EMDE SME credit.
Expand on the same rails.

The same infrastructure that automates SME pool ops can power trade workflows, cross-border settlement, and institutional credit at scale. Land with originators, expand with templates and APIs.

01
Distribution via licensed originators and brokers — partner-first GTM, warm intros, and targeted credit/treasury outreach.
02
Near-fixed ops cost becomes software margin — each new pool adds minimal incremental cost. Unit economics improve with volume.
03
Repeatable pool templates and reporting standard — one integration unlocks multiple partners across multiple regions.
04
Compliance-first structures expand the addressable market — Islamic-aligned and policy-mandate-driven pools open EMDE regions others can't serve.
TAM — Financing Gap
$5.7T
MSME financing gap in emerging markets and developing economies. Swells to $8T including informal enterprises.
SAM — Focus Market
EMDE
Target regions with formal SMEs reachable via licensed partners. Compliance-first structures expand addressable partner count.
SOM — Serviceable (5–7y)
$50B
Cumulative activity across 50+ partners, including trade workflows. Blended take-rate of 20–30bps on financed volume.
Traction

Live. Repaid. Scaling.

Not a prototype. A UAE partner is operational today with a $100M follow-on pipeline, and Tier-1 regional bank interest in trade workflow PoCs.

$2M
In SME loans originated and fully repaid — zero defaults on initial portfolio.
$100M
Follow-on pipeline committed by the UAE partner on the same infrastructure.
$310K
In ecosystem grants awarded. Wyoming DAO LLC incorporated Feb 2024.
Institutional Pipeline
$100M follow-on pipeline — SME Private Credit (UAE partner)
Tier-1 regional bank PoC interest — Trade Workflows
$2.7B supplier liquidity committed — Trade Workflows
$1M pilot scoped with Base ecosystem — Agentic Vaults
Partner Programme

Launch investor-ready SME pools in days, not weeks.

If you're a licensed originator, broker, bank, or asset manager looking to automate private credit ops — we want to hear from you.

White-glove onboarding for early partners
Preferred commercial terms during pilot phase
API and portal integration support included
Islamic-aligned and compliance-first structures available
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