The first secure, end-to-end operational platform for private credit - one shared system where the whole deal actually happens.
Founded 2021 · New York, NY · ~39 employees
Private credit has grown into one of the largest and fastest-moving corners of finance. Yet much of the work of actually closing a deal - agreeing allocations, moving funds, verifying entities, tracking wires - still runs on email threads, shared spreadsheets and a stack of disconnected tools. PactFi's premise is simple: a market this size deserves real infrastructure.
Founded in 2021 by Emma Zhang and Alexa Valle Burguete, PactFi is a collaborative SaaS platform that gives agents, arrangers, lenders and investors a single, secure place to run private credit transactions across the whole asset lifecycle. Rather than another tool a single firm uses in isolation, it is built to sit between counterparties - which is exactly where deals live.
The platform embeds data structures directly into deal workflows, so information is captured in real time and automations replace manual re-keying. Allocations flow into funds flow; funds flow feeds reporting to custodians, trustees and banks; KYC documents live in one shared, permissioned store. The result is fewer inboxes, fewer versions, and a clearer view of every active deal.
"As transaction volume, oversight, and counterparty coordination grow more complex, firms need infrastructure that strengthens control without slowing execution."
— Emma Zhang, Founder & CEOThe foundation. Investors manage suballocations, funds flow, KYC, signature blocks, task management and automated internal/external reporting - even when agents are off-platform.
A centralized workspace for agents, arrangers and investors to run deal closing together: setup, invitations, allocation uploads, KYC approval, fee booking and fed ref tracking.
Built for amended & restated deals with existing facilities - dynamic suballocation math for rolling, exiting and reallocated positions, with funds flow reflecting payouts.
A system of record from close onward: automatic working-group carryover, structured documents tied to facilities, and company-based permissions with audit trails.
Private credit AUM has roughly tripled in a decade and is projected to keep climbing. PactFi is positioning itself as the operational layer underneath that growth.
Private credit AUM. *2028 figure is a projection cited in PactFi's Series A announcement. Source: PactFi / BusinessWire.
Most software in this space is built for a single firm to use on its own. PactFi is deliberately the opposite - it is designed to be used between counterparties, so its value compounds as more of the market joins. A platform that is useless in isolation and powerful across a network is not a bug; it is the strategy.
That approach has drawn in the largest players. Eight of the top 20 credit asset managers - a combined $3.4 trillion in AUM - now use PactFi, and all of the top 20 have participated as lenders on the platform. The product itself was designed and developed in collaboration with private credit industry leaders.
The alternatives are legacy loan and agency platforms, in-house systems, and - most of all - the status quo of email and spreadsheets. PactFi's answer to all three is coverage across the full lifecycle plus institutional-grade security: SOC 2 Type II attestation and ISO 27001 certification, earned before scaling adoption.
"PactFi is reimagining this infrastructure by creating a network that seamlessly syndicates private credit loans, automates workflows, and delivers institutional-grade data."
— Carsten Kengeter, CEO of 7RIDGELed by: 7RIDGE Ecosystem Impact Fund (EIF)
With: Vestigo Ventures
Use of funds: product expansion, go-to-market growth, AI integration and team expansion.
Model: B2B SaaS subscriptions sold to private credit participants, with value that grows through network effects.
"Firms need infrastructure that strengthens control without slowing execution."
— Emma Zhang, Founder & CEO, PactFi"A network that seamlessly syndicates private credit loans, automates workflows, and delivers institutional-grade data."
— Carsten Kengeter, CEO, 7RIDGEEmma Zhang and Alexa Valle Burguete found PactFi in New York to modernize private credit operations.
The operational platform goes live, beginning to replace email and spreadsheet workflows for deal closing.
Cashless Roll Workflows and the Post-Close Portal extend PactFi from deal close into ongoing servicing.
PactFi raises a $25M Series A led by 7RIDGE, disclosing $300B+ in deal volume and adoption by 8 of the top 20 credit managers.
Emma Zhang - Founder & CEO. Before PactFi, Zhang worked in credit trading, origination and structuring at Deutsche Bank, giving her a firsthand view of the operational friction the platform now targets.
Alexa Valle Burguete - Founder & CTO. Leads engineering and product architecture for a platform that has to meet institutional security and reliability standards from day one.