Penomo
Penomo is an AI-native infrastructure finance technology company that operates CredOS, an operating system for private credit, infrastructure, PE, and M&A deal workflows, serving capital allocators, asset managers, and infrastructure investors with multi-model AI agents automating underwriting, structuring, and monitoring.
- Company typePrivate
- Founded2023
- HeadquartersAmsterdam, Netherlands
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Penomo does
Penomo is an AI-native infrastructure finance technology company headquartered in Singapore (Penomo Foundation Ltd.) with a European operating entity in Amsterdam (Penomo B.V.). The company operates CredOS, a multi-tenant SaaS platform positioned as the operating system for intelligent private credit, automating deal workflows from origination to monitoring through multi-model AI agents, smart data rooms, automated covenant testing, drawdown and waiver workflows, and real-time portfolio alerts. The platform serves capital allocators, asset managers, infrastructure and private credit investment teams, and PE/M&A deal operators, with a stated focus on infrastructure finance and renewable energy assets.
The company's revenue mechanics combine a SaaS subscription layer for CredOS (accessed via direct demo booking and a 7-day free trial) with co-development and implementation engagements targeting specific fund operating models, complemented by tokenization infrastructure for renewable energy assets delivered in partnership with Quai Network. Distribution is event-driven and practitioner-led — co-hosted roundtables at SuperReturn Berlin (with Apricum, BCG X GreenTech, and DENA Future Energy Lab), the Offscript long-form podcast, blog content, and direct enterprise sales — with a notable co-development engagement with Canadian private credit firm Maedrone Asset Management targeting $100M AUM in 2026.
Penomo has assembled a small leadership bench (co-founders Jasvir Dhillon as CEO and Sascha Kubisch as CTO, alongside a CMO and Chief of Capital Markets) and a senior advisory group spanning infrastructure finance (Martin Siddiqui), DLT law (Arnold J.F. Lukas), and asset finance (Dr. Pascal Kuhn). The company holds the CredOS trademark, has been backed by Castrum Capital, and joined the Rockstart Energy Fund portfolio (€27M), aligning it with institutional energy capital stakeholders including Shell, Ørsted, Alliander, CEZ Group, Eneco, and Dutch pension fund ABP.
Penomo firmographics
Firmographics- Name
- Penomo
- Legal name
- Penomo Foundation Ltd.
- Website
- https://penomo.com
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Penomo is an AI-native infrastructure finance technology company that operates CredOS, an operating system for private credit, infrastructure, PE, and M&A deal workflows, serving capital allocators, asset managers, and infrastructure investors with multi-model AI agents automating underwriting, structuring, and monitoring.
- Ownership category
- akta.pro rank
Penomo industry classification
Industry- Product category
- AI-native Investment Operations Software for Private Credit and Infrastructure Finance
- NAICS
- Portfolio Management and Investment Advice (523940), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523), Other Financial Vehicles (525990)
- SIC
- Services-Prepackaged Software (7372), Investment Advice (6282), Finance Services (6199)
- akta.pro primary industry
- Institutional DeFi & On-Chain Liquidity Infrastructure (Permissioned DeFi, Lending) (FSAGAMAG)
- akta.pro secondary industries
- RWA Tokenization Platforms (asset onboarding, structuring, issuance) (FSAPAIAC), Private Credit & Loan Tokenization Platforms (FSADAEAD)
Keywords
Where Penomo is headquartered
LocationHeadquarters
- HQ city
- Amsterdam
- HQ country
- Netherlands
- HQ region
- Europe
Offices2 records
Markets served
Penomo business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- CredOS SaaS Platform Subscription: CredOS is offered as a SaaS platform subscription to capital allocators, asset managers, and infrastructure investors. The platform is accessed via direct sales (Book a Demo) and self-serve trials (7-day trial), with top users receiving 30-day full access and 6-month gated peer intelligence community access. The product is positioned as the operating system for intelligent private credit, automating complex workflows across the investment lifecycle.
- Co-development & Implementation Services: Penomo enters co-development partnerships (e.g., with Maedrone Asset Management) to deploy and customize CredOS for specific fund operating models, likely involving implementation and ongoing service components alongside the core platform subscription.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free 7-day trial for verified company emails |
| Subscription | Multi-year contract | Top performers tier - 30-day full access + 6-month community |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
Penomo product offering
Product offeringCore offering
Penomo develops and sells CredOS, an AI-native operating system (SaaS) for private credit, private equity, and M&A deal operations in infrastructure finance. The platform uses multi-model AI agents to automate the full investment lifecycle — origination, underwriting, structuring, covenant monitoring, and portfolio reporting — replacing manual spreadsheets, emails, and PDFs. A purpose-built tokenization layer for renewable energy assets (solar, wind, batteries) is delivered through the Quai Network partnership to enable fractional ownership and capital market access for renewable infrastructure.
Product overview
Penomo is an AI-native infrastructure finance technology company operating as a unified platform-plus-module architecture. The core product is CredOS (an Agentic AI operating system for private credit, PE, and M&A workflows), complemented by Offscript (a podcast/interview series). The platform also includes tokenization capabilities for renewable energy assets through partnerships. CredOS serves as the central operating layer, providing AI-driven deal intelligence, automated workflows, and monitoring capabilities for infrastructure finance operations.
Differentiator
Problem solved
Functional benefit
Brands
- CredOS: AI-native operating system for infrastructure finance, automating credit workflows from origination to monitoring for private credit, PE, and M&A operations.
Products and services
- CredOS
Quantifiable outcome
- 70% faster sourcing — from upload to go/no-go decision via automated extraction, rules, and eligibility checks, saving weeks of laborious work
- +4 more outcomes
Companies that use Penomo
Customer profileNamed customers1 record
Segments4 records
Ideal customer profiles2 records
Penomo technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability8 records
Feature8 records
Penomo partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered flagship and core.
- ApricumflagshipApricum, a boutique M&A and transaction advisory firm focused on European cleantech and renewable energy (clients include Baywa, Blackstone, UBS, Umicore, Vattenfall), co-hosts SuperReturn Berlin practitioner roundtables with Penomo. Apricum brings direct relationships with company owners and capital allocators in cleantech M&A and contributes co-host briefings on renewables finance and M&A.
- BCG X GreenTechflagshipBCG X (the tech build and design unit of Boston Consulting Group) co-hosts SuperReturn Berlin practitioner roundtables with Penomo. BCG X's GreenTech practice focuses on AI and data applications for the energy sector — including grid intelligence, load forecasting, anomaly detection, and network planning. At the event, BCG X contributes ongoing work on data and AI for grid operators.
- Future Energy Lab (German Energy Agency / DENA)flagshipFuture Energy Lab, a project of the German Energy Agency (DENA), co-hosts SuperReturn Berlin practitioner roundtables with Penomo. The lab brings together stakeholders from digital and energy sectors to actively test and pilot digital energy and climate technologies, making an important contribution to the success of the energy transition. The event venue is hosted at Future Energy Lab Berlin.
- Maedrone Asset ManagementcoreCo-development partnership and user agreement between Penomo and Maedrone Asset Management (Canadian alternative credit investment firm) to co-develop and deploy Agentic AI-based private credit fund operations. Maedrone deploys CredOS to automate its credit origination and fund management operations, expected to cross $100M AUM in 2026. The collaboration embeds AI-native credit workflows into Maedrone's investment process.
- Quai NetworkcoreQuai Network, the first Layer 1 blockchain designed specifically for renewable energy tokenization, partnered with Penomo to tokenize renewable energy assets (solar panels, wind turbines, batteries). The collaboration aims to reduce reliance on traditional financing methods by enabling fractional ownership of assets, lowering costs for developers, and accelerating clean energy infrastructure development. It opens renewable energy projects to a worldwide investor base to improve accessibility and liquidity for green investments.
Scale indicators11 records
Recent moves6 records
Expansion highlights6 records
Penomo competitors and assessment
Company assessmentDirect peers
- iCapital Network: End-to-end platform providing access, due diligence, and operations infrastructure for alternative investments including private credit — overlaps with CredOS in automating investment operations for institutional allocators in alternatives.
- Provenance Blockchain: Public blockchain purpose-built for financial services and RWA tokenization including private credit and asset-backed securities — comparable to Quai Network/Penomo pairing for institutional asset tokenization.
- Centrifuge: Decentralized protocol for tokenizing, financing, and on-chain trading of real-world assets including private credit — directly competes with Penomo in RWA tokenization and on-chain private credit infrastructure.
- Juniper Square: Investor and fund operations platform for private equity, venture, and real estate GPs — overlaps with CredOS in providing investment-operations software for capital allocators managing private market portfolios.
- Addepar: Portfolio management and analytics platform for wealth managers, family offices, and institutional investors — comparable in serving sophisticated capital allocators with data-driven investment operations tooling.
- Maple Finance: Institutional-grade DeFi credit marketplace connecting lenders and borrowers in private credit — overlaps with Penomo's on-chain private credit and institutional DeFi positioning.
- Canoe Intelligence: AI-powered platform that automates alternative investment data extraction, document management, and reporting for institutional investors and fund managers — directly comparable to CredOS's AI-native due diligence and monitoring workflows for private credit and alternatives.
- Securitize: RWA tokenization platform enabling issuance, management, and trading of tokenized securities — directly comparable to Penomo's renewable energy asset tokenization and on-chain credit capabilities.
Broad incumbents
- Carta: Comprehensive ownership and fund management platform spanning cap table, valuation, fund admin, and LP management — a broader incumbent in private market operations that competes with CredOS in deal/portfolio operations.
Emerging players
- Tokeny: Tokenization platform enabling compliant issuance, transfer, and management of on-chain securities and RWA — directly comparable to Penomo's tokenization infrastructure layer for renewable assets and credit instruments.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Penomo social profiles
Digital presencePenomo financial estimates
Financial estimateRevenue estimate
Valuation estimate
Penomo leadership team
Management profileNumber of profiles
Profiles10 records
Penomo funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Penomo M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Penomo
What does Penomo do?
Penomo develops and sells CredOS, an AI-native operating system (SaaS) for private credit, private equity, and M&A deal operations in infrastructure finance. The platform uses multi-model AI agents to automate the full investment lifecycle — origination, underwriting, structuring, covenant monitoring, and portfolio reporting — replacing manual spreadsheets, emails, and PDFs. A purpose-built tokenization layer for renewable energy assets (solar, wind, batteries) is delivered through the Quai Network partnership to enable fractional ownership and capital market access for renewable infrastructure.
Is Penomo a public or private company?
Penomo is a private company. It is classified as venture growth investor backed and is currently operating.
When was Penomo founded?
Penomo was founded in 2023. It employs 1 to 10 people.
Where is Penomo based?
Penomo is headquartered in Amsterdam, Netherlands, in the Europe region.
How does Penomo make money?
Two revenue lines are on record. CredOS SaaS Platform Subscription is the primary driver. The others are co-development & Implementation Services.
Who are Penomo's main competitors?
Direct peers on record are iCapital Network, Provenance Blockchain, Centrifuge, Juniper Square, Addepar, Maple Finance, Canoe Intelligence and Securitize. Carta is listed as a broad incumbent. Tokeny is listed as an emerging player.
Does Penomo have an API?
No public API is recorded for Penomo.
What industry is Penomo in?
Penomo's product category is AI-native Investment Operations Software for Private Credit and Infrastructure Finance. Its primary akta.pro industry code is FSAGAMAG, Institutional DeFi & On-Chain Liquidity Infrastructure (Permissioned DeFi, Lending), with a secondary code of FSAPAIAC, RWA Tokenization Platforms (asset onboarding, structuring, issuance). Its NAICS code is 523940 and its SIC code is 7372.