Wiserfunding

What Wiserfunding does

Wiserfunding Limited is a London-headquartered fintech founded in 2016 by Professor Edward Altman (creator of the Altman Z-Score and Professor Emeritus at NYU Stern) and Dr Gabriele Sabato (former Head of Risk Appetite Portfolio Decisioning at RBS). The company operates an AI- and machine-learning-powered SaaS credit risk analytics platform composed of three integrated solution modules: Origination (screening and underwriting), Portfolio (continuous 24/7 monitoring with configurable alerts), and Regulatory (IFRS9, ICAAP stress-testing and compliance). The platform is underpinned by a proprietary SME Z-Score methodology organised into three sub-modules covering financial data, non-financial information (management experience, legal events, social media, news) and macro-economic variables, with a dynamic weighting system that adjusts module contribution based on data reliability. Underlying this are 76+ geographic and sector-specific risk models trained on a panel of approximately 320 million company-year observations covering more than 30 million SMEs worldwide with turnover between €1m and €150m, enabling the platform to process up to 800 data inputs per company in under 8 seconds.

The platform integrates natively with Codat, Validis and nCino to overlay filed accounts with real-time open-accounting data, and is delivered via documented APIs alongside a "Book a Demo" enterprise sales motion with dedicated customer success managers. Revenue is generated through a mix of SaaS subscriptions, usage-based API pricing, managed services (continuous portfolio monitoring, IFRS9 calculations, ICAAP-compliant stress-testing) and professional services (bespoke risk modelling, customised alerts, integration and training). Pricing is quote-based, annual and not publicly disclosed; a free platform trial is offered. The customer base spans banks (regional, national and multinational), alternative and peer-to-peer lenders, B2B BNPL providers (Playter), invoice insurers (Nimbla), asset managers and private credit investors, export credit agencies (KUKE in Poland), and emerging-market platforms (Multifi, NEITEC/Debita), with case studies citing operational improvements such as 80% efficiency gains (LCI), 40% faster time-to-decision (bank case study) and 20% reductions in non-performing loans (national bank).

The company employs 11-50 staff (with disclosed progression of 5 → 12 → 20 by 2021), maintains SOC 2 Type II and ISO 27001 certifications, is registered with the UK ICO, and was recognised in July 2021 as Europe's first certified credit rating agency for SMEs. Wiserfunding raised £3 million from BGF in September 2021 while already profitable, and has expanded operationally into the UK, Italy, India (40 million SME market, entered 2018-2019), Poland (via KUKE), the GCC and Latin America through partnerships, with data residency in the UK, Ireland and Italy.

Name

Wiserfunding

Legal name

Wiserfunding Limited

Website

https://wiserfunding.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

Wiserfunding is an AI-powered SaaS platform that provides credit risk assessment, portfolio monitoring and IFRS9/regulatory analytics for SMEs, serving banks, asset managers, fintech lenders and export credit agencies across 70+ countries.

Ownership category

akta.pro rank

Product category

SME Credit Risk Analytics Software

NAICS

Activities Related to Credit Intermediation (5223), Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320), Miscellaneous Business Credit Institution (6159)

akta.pro industry

PRIMARYFSAGAHAC

Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking)

Financial & Insurance/Financial Technology (Fintech)/LendTech (Digital Lending Platforms & Credit Decisioning)

SECONDARYFSAGAHAD

Underwriting Automation & Income/Employment Verification

Financial & Insurance/Financial Technology (Fintech)/LendTech (Digital Lending Platforms & Credit Decisioning)

Keywords

• Credit risk analytics
• SME lending software
• AI risk modelling
• Portfolio monitoring platform
• Regulatory compliance tools

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices5 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Infrastructure, Marketing or Sales, Operations, Others

Revenue model

1. SaaS subscription for credit risk platform: Recurring subscription revenue from access to the Wiserfunding credit risk analytics platform with Origination, Portfolio Management and Regulatory modules, priced flexibly based on client needs and scale of operations.
2. Professional services: Additional professional services including bespoke risk modelling, customised alerts, integration/onboarding support, post-sales training, and tailored LGD risk model builds (e.g., for Assetz Capital's FCA compliance).
3. Managed services / portfolio monitoring: Continuous portfolio monitoring and managed compliance services including IFRS9 calculations, ICAAP-compliant stress-testing, and 24/7 AI-driven regulatory scanning offered to banks and lenders as part of the Regulatory solution.
4. API-based usage pricing: API access for embedding Wiserfunding's analytics into customer underwriting workflows (e.g., national bank integrated Wiserfunding's API in three hours), with usage scaling alongside client volumes and credit portfolios.

Pricing tiers

Go-to-market motion5 records

Distribution channels5 records

Marketing channels8 records

Core offering

Wiserfunding provides a SaaS credit risk monitoring platform that scores SMEs using proprietary sector- and geography-specific Z-Score models trained on a 30 million SME / 320 million company-year data panel. The platform is sold as three solution modules — Origination (screening and underwriting), Portfolio (continuous 24/7 monitoring with configurable alerts) and Regulatory (IFRS9, ICAAP stress-testing, compliance) — delivered via web UI and API, with bespoke risk modelling, open-accounting integrations (Codat, Validis) and nCino lending-platform integration for banks, alternative lenders, asset managers, export credit agencies and fintech lenders.

Product overview

Wiserfunding offers a single unified SaaS credit risk monitoring platform (Wiserfunding Platform / WiserInsights) composed of three integrated solution modules that span the full credit lifecycle: the Origination Solution (screening and underwriting), the Portfolio Solution (monitoring and management), and the Regulatory Solution (IFRS9, ICAAP and compliance). Underpinning the platform are Wiserfunding's proprietary SME Risk Models, built on the academic foundation of co-founder Professor Edward Altman and a data panel covering 30 million SMEs across 75+ geographic and sector-specific variants. The platform is delivered as a configurable, SaaS solution with native integrations to Codat, Validis, and nCino, and is targeted at asset managers, lenders, banks, regulators, and export credit agencies.

Differentiator

Problem solved

Functional benefit

Brands

• WiserInsights: AI-driven analytical module on the Wiserfunding platform for dissecting data across multiple perspectives, comparing sectors, assessing risk profiles, and tracking portfolio performance.

Products and services

• Wiserfunding Platform (WiserInsights) Core SaaS credit risk monitoring platform branded as WiserInsights for asset managers, lenders, banks, regulators and export credit agencies. Combines advanced analytics with financial expertise to transform complex risk into clear, actionable intelligence; offers real-time data processing, up-to-date financials overlay, and an intuitive interface for SME lending decisions. Sold via direct enterprise sales (Book a Demo) with a free trial available.
• Origination Solution Module of the Wiserfunding Platform for finding, screening and assessing potential SME prospects at origination. Processes up to 800 data inputs per company in less than 8 seconds and delivers risk profiles stated to be 30% more accurate than market standard. Enables AI-driven underwriting automation, multi-search and bulk screening. For SME lenders, banks, alternative lenders and fintech lenders.
• Portfolio Solution Module of the Wiserfunding Platform for continuous 24/7 monitoring of existing SME loan portfolios. Incorporates 75+ geographic and sector-specific risk models, scenario modelling for stress-testing and IFRS9, customisable alerts, instant reporting and key risk metrics including Probability of Default, Loss Given Default, SME Z-score and Bond Rating Equivalent. For banks, lenders, asset managers and private credit investors.
• Regulatory Solution Module of the Wiserfunding Platform tailored to ensure compliance with IFRS9 standards and ICAAP-compliant stress-testing, including AI-enriched models, automated continuous compliance checks, AI scanning of the changing regulatory environment, and SaaS-based integration with minimal disruption. Also delivers managed services such as 24/7 AI-driven regulatory scanning. For banks, lenders and asset managers.
• SME Risk Models Proprietary risk models created by co-founders Professor Edward Altman and Dr Gabriele Sabato. Each sector-specific SME Z-model consists of three modules (financial data, non-financial information, macro-economic data) with a dynamic weighting system, built on a data panel of approximately 320 million company-year observations covering 30 million SMEs worldwide with turnover between €1m and €150m. Supports bespoke customisation for unique client requirements. Underpin the Origination, Portfolio and Regulatory solutions and are also delivered as standalone model builds (e.g., tailored LGD risk models for Assetz Capital).

Named customers13 records

Segments6 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability8 records

Feature9 records

Partnerships

Twelve partnerships are on record, tiered core, flagship and minor.

• MultificoreStrategic or Co-development Partner · 23 July 2025Multifi, a UK-based financial platform offering flexible unsecured credit to SMEs, partnered with Wiserfunding for risk assessment and portfolio management. Multifi uses Wiserfunding's broad financial and alternative data to make quick, well-informed lending decisions and praised the platform's ease of use and ongoing expert support from Wiserfunding's team.
• NEITEC (Debita)flagshipStrategic or Co-development Partner · 23 July 2025NEITEC, a platform dedicated to unlocking SME financing through private debt issuance (operating Debita), announced a strategic partnership with Wiserfunding in July 2025. The collaboration embeds Wiserfunding's transparent, data-driven risk assessments into Debita's marketplace to expand SME access to finance in emerging markets and reduce reliance on third-party credit ratings.
• KUKEflagshipStrategic or Co-development Partner · 25 January 2024KUKE, Poland's Export Credit Agency and a leading supplier of trade-facilitating solutions, selected Wiserfunding in January 2024 to digitise its SME risk assessments. The partnership was described as "groundbreaking" and aimed at redefining the landscape of SME credit risk assessment for Polish exporters and ECAs.
• Certua Services LimitedminorImplementation/ SI/ Consulting Partner · 1 January 2024Certua Services Limited is disclosed as a service provider in Wiserfunding's Privacy Policy, providing software and support to Wiserfunding with access to customer personal information under strict purpose limitation.
• AWS (Amazon Web Services)coreTechnology or Integration · 1 January 2024AWS underpins Wiserfunding's cloud infrastructure: AWS Key Management Service (KMS) with HSMs for encryption keys, AWS Secrets Manager and Parameter Store for application secrets, and Application Load Balancers for TLS certificate management. AWS is also referenced as part of Wiserfunding's vendor security risk management approach.
• Cardo AIcoreStrategic or Co-development Partner · 13 December 2022Milan-based private debt investment management technology platform Cardo AI partnered with Wiserfunding in December 2022 to transform credit analytics in the private debt market. Wiserfunding and Cardo AI subsequently co-hosted events on the future of private credit markets.
• DefycaminorStrategic or Co-development Partner · 5 December 2022Defyca partnered with Wiserfunding in December 2022 to bring SME debt funding on-chain, supporting Wiserfunding's mission to address the $5.4tn SME funding gap through on-chain debt infrastructure.
• CodatcoreTechnology or Integration · 1 January 2022Codat is a London-based open accounting / financial data API platform. Wiserfunding integrates with Codat to overlay filed financial data with real-time management accounts, enriching credit risk analysis with live financials. Referenced on Solutions, Origination and Portfolio pages.
• ValidiscoreTechnology or Integration · 1 January 2022Validis is an open accounting data provider integrated with Wiserfunding. The seamless integration gives instant access to up-to-date financial data and removes manual data entry for credit risk analyses.
• nCinocoreTechnology or Integration · 1 January 2022nCino is a cloud banking platform. Wiserfunding integrates seamlessly with nCino's lending systems, providing deeper insights to enhance origination and credit risk analysis within the customer's existing workflow.
• FullCirclcoreStrategic or Co-development Partner · 1 January 2022FullCircl partnership announced as part of Wiserfunding's 2022 platform launch to expand reach and integrate customer / business intelligence data into the credit risk workflow.
• NimblacoreStrategic or Co-development Partner · 19 May 2021UK invoice insurance provider Nimbla partnered with Wiserfunding in May 2021 to protect UK SMEs from insolvency. The partnership combines Nimbla's invoice insurance with Wiserfunding's credit risk data to give SMEs protection against insolvent customers; subsequently deepened in 2022.

Scale indicators13 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Creditsafe: Global provider of SME and corporate credit reports and ratings. Competes head-to-head with Wiserfunding in supplying credit risk scores to banks, lenders and corporates, with comparable coverage of private SMEs across multiple geographies.
• Cerved: Italy-based credit information and credit management specialist with deep SME credit data assets. Particularly comparable given Wiserfunding's Italian incorporation and pan-European SME focus.
• CRIF: Italian-headquartered global credit bureau and business information provider with SME credit reports, ratings and decisioning tools. Directly comparable to Wiserfunding's SME credit risk analytics proposition.

Broad incumbents

• Dun & Bradstreet: Global incumbent in business credit data, with the well-known PAYDEX and D&B Ratings used across SME lending. Competes with Wiserfunding on SME credit risk data depth and global coverage.
• Bureau van Dijk (Moody's): Moody's-owned private company financials database (Orbis, Bureau van Dijk). Provides the closest large-scale incumbent data layer for SME risk analysis used by banks globally, competing with Wiserfunding's data panel.
• Experian: Global credit bureau serving consumer and commercial credit risk. Its commercial/SME analytics portfolio competes with Wiserfunding's origination and portfolio modules for bank wallet share.
• S&P Global Market Intelligence: Provides credit ratings, risk solutions and Capital IQ data feeds to banks and asset managers. Overlaps with Wiserfunding in SME and private company credit risk analytics at large financial institutions.

Emerging players

• Cardo AI: Milan-based private debt investment management technology platform and Wiserfunding partner. Competes partially in private debt analytics where both firms serve private credit investors, with overlapping buyer personas.
• FullCircl: UK customer/business intelligence platform partnered with Wiserfunding. Partially overlapping proposition in SME prospect verification and origination signals, often co-deployed with Wiserfunding.

Others

• Codat: Open accounting API platform and core Wiserfunding integration partner. Not a direct competitor but an adjacent infrastructure provider whose data feeds power part of Wiserfunding's real-time financials layer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/wiserfunding

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Subsidiaries1 record

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Wiserfunding