Value proposition

We turn lender risks into opportunities through advanced technology and expertise

Wiserfunding is a London-based credit analytics platform dedicated to empowering SME lenders with the precision and efficiency they need to strengthen their portfolios. Our data-driven solutions help lenders make informed decisions by providing the fastest, most accurate tools to screen, underwrite, monitor, and manage credit risk with ease.

Leveraging five decades of academic research on SME credit risk, we combine data from diverse sources—public, private, and unstructured—creating a comprehensive view of a company’s creditworthiness. This enables our clients to reduce costs and mitigate risk, empowering them to scale their lending operations effectively.

Founded by Dr. Gabriele Sabato and Professor Edward Altman, creator of the Altman Z-Score, Wiserfunding addresses the $5 trillion funding gap faced by SMEs. Backed by BGF, the UK’s most active growth investor, we support over 100 clients across five continents who have lent more than £3bn globally.

By blending advanced analytics with expert insights, we deliver clear, actionable intelligence that enhances decision-making and drives growth. Our mission is to help lenders navigate financial uncertainty with confidence, unlocking new possibilities while strengthening the financial ecosystem.

Risk management, SMEs risk assessment, Credit scoring, Fintech, Real time decisioning, SME Z-Score, corporate credit rating, internal rating modeling, credit risk management, big data, machine learning, artificial intelligence, finance, SME, SME's, Portfolio Management, Private Credit, Risk Evaluation, and Credit Risk Software