penomo

We are an AI-native front- and mid-office automation platform for infrastructure credit firms executing small and mid-market transactions, automating underwriting end-to-end while streamlining access to tokenized capital markets Problem we address: Infra credit and M&A processes still run on outdated software and oversized teams to source, underwrite & monitor deals creating a global €250B annual spend problem. Process inefficiencies make small & mid‑market deals uneconomical, discouraging private allocator participation in the already illiquid market, widening the $5T financing gap. Product: Penomo’s AI-native platform and flagship product 'CredOS - Credit Operating System.' automates infrastructure finance operations, making small and mid-market deals highly profitable and turning them into a direct on-ramp for private credit and asset tokenization.