Kingsbury & Partners has launched CREDIFY, a platform that consolidates the full structured credit issuance process from term sheet drafting through counterparty selection, KYC, and investor onboarding into a single collaborative environment, purpose-built for the legal, compliance, and finance teams responsible for getting instruments to market.

Anyone who has sat in the middle of a structured credit issuance, whether as a deal adviser managing the process, a CFO trying to retain visibility across workstreams, or a legal counsel reconciling document versions that have proliferated across inboxes, will recognise the particular inefficiency that has come to define this corner of the market. The instruments themselves are well understood. The economics, the structural logic, the investor rationale: these are not where the process breaks down. What breaks down, consistently and at significant cost, is the operational layer that surrounds the transaction — the coordination of teams, the management of documentation, the sequencing of counterparty appointments, and the compliance requirements that must be satisfied before any of it can close.

The conventional response to this problem has been more people and more process: additional legal resource to manage document versions, compliance teams working separately from the deal function, administrators and paying agents engaged through disconnected channels with their own parallel timelines. For institutions with deep operational infrastructure, this is manageable. For the mid-sized corporates, growth-stage businesses, and alternative capital raisers that represent the majority of activity in private credit markets, it is a structural obstacle that adds weeks to timelines, introduces risk at every handover, and absorbs the attention of senior teams on tasks that should be automated or at the very least consolidated.

CREDIFY was developed to address this directly — not by simplifying the instruments, but by rationalising the infrastructure required to issue them.

A Single Environment for the Entire Issuance Workflow

The platform consolidates each stage of the issuance process within one environment, designed so that the legal, compliance, and finance functions involved in a transaction can operate from the same system rather than converging at the end of a process to reconcile work that has been done in isolation. Investment documentation, term sheets, investor teasers, and associated offering materials are drafted, versioned, and approved within CREDIFY, with each contributor working from the same live document rather than maintaining their own copy. The practical effect is that the back-and-forth which typically defines the documentation phase, comments transmitted by email, revisions applied without full visibility, approval processes that are informal by default, is replaced by a structured, traceable workflow where the status of any document is clear at any point in the process.

Counterparty selection is integrated into the same workflow rather than managed as a separate track running alongside the transaction. The appointment of administrators, managers, arrangers, and paying agents is consequential to the structure of the instrument itself, and treating it as an administrative afterthought, something to be resolved once documentation is substantially advanced, consistently produces the kind of late-stage rework that delays closings and creates unnecessary cost. CREDIFY brings counterparty identification and engagement into the platform from the outset so that structural decisions and operational appointments develop in parallel and inform one another as the transaction takes shape, rather than creating conflicts that have to be resolved under time pressure at the end.

KYC and investor onboarding sit within the same process for the same reason. Compliance requirements have a material effect on deal timelines, and managing them outside the issuance workflow, as a separate stream that must be satisfied before the transaction can proceed, introduces dependencies that are difficult to track and easy to underestimate. Bringing onboarding into CREDIFY means that compliance and deal execution move together, with full visibility for all parties, rather than arriving at a position where a transaction that is otherwise ready to close is held up by a verification process that has been running on a separate track without adequate oversight.

Advisory Support Throughout the Issuance Process

The platform is supported by direct advisory input from John Hubball, Chief Investment Officer at Kingsbury & Partners, whose background spans deal advisory, instrument structuring, and due diligence across private credit markets. For corporates approaching structured issuance for the first time or working with assets and risk profiles that do not fit neatly into conventional structures, that advisory capability is as material as the platform itself, and it is available throughout the issuance process rather than as a preliminary consultation that ends once the transaction begins.

A significant proportion of the companies that will benefit most from CREDIFY are those with esoteric underlying assets or risks that require instrument structures to be built around the specific characteristics of the business, rather than applied from a standard template. Cashflow modelling for these transactions demands a granular understanding of how the underlying asset performs across different scenarios, and the structural choices that follow, how cashflows are sequenced, how risk is allocated, how investor protections are constructed, require judgement that goes beyond documentation management. The combination of CREDIFY's operational infrastructure and Hubball's advisory experience in exactly these areas means that Kingsbury & Partners can support an issuer from the initial structural question through to a completed, market-ready instrument.

Closing the Infrastructure Gap in Private Credit

The growth of private credit markets over the past decade has been well documented, and the investor appetite for structured instruments, particularly in the current rate environment, where yield and structural protection carry a premium, shows no sign of abating. What has been less remarked upon is the degree to which supply on the issuer side remains constrained not by a shortage of viable borrowers or credible underlying assets, but by the operational reality facing companies that wish to bring structured instruments to market without an institutional infrastructure to support them. The technical and legal complexity of credit-linked notes, structured bonds, and related instruments is frequently cited as a barrier; in practice, the more immediate obstacle is often the process that surrounds issuance rather than the instruments themselves.

CREDIFY is designed to close that gap, not by reducing the rigour of the process, but by removing the operational overhead that currently makes it prohibitive for a significant proportion of the market. The platform does not replace the legal, compliance, and financial judgement that structured issuance requires; it provides the infrastructure within which those functions can operate efficiently, collaboratively, and with the transparency that counterparties, investors, and regulators increasingly expect. For deal advisers whose value lies in structuring and execution rather than in managing document logistics, and for CFOs whose time is more productively spent on the economics of a transaction than on its administration, the platform represents a material change in what is required to bring an instrument to market.

Access CREDIFY

CREDIFY is now live and available to companies considering or actively planning a structured credit issuance. The platform can be accessed at credify.kingsburyandpartners.ae, and the Kingsbury & Partners team is available to walk through its capabilities in the context of a specific transaction or programme.