Take Risks, Consciously

Doing business with SMEs is risky but rewarding.
Experience the unrivalled potential of our AI-backed Altman SME Z-score and step up your risk management capabilities.

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The New Market Standard

Wiserfunding specialises in assessing the credit risk of small and medium sized enterprises (SMEs). Our unique business credit score allows users to more accurately assess the creditworthiness of SMEs by automating everything that a credit analyst looks at.


Our cloud-based platform uses APIs to access and Artificial Intelligence to process the data feeding into our models.

Altman SME Z-Score

By leveraging our research and innovating the original Altman Z-Score, we have created risk models whose quality is unmatched in the market.

Driving Innovation in Credit Risk

Business credit scoring was invented by our founder Dr. Altman and has experienced little change till now. Our AI-backed platform assesses structured and unstructured information, such as financials, corporate governance and macroeconomic outlook to provide a more holistic credit assessment.


SMEs differ by size, geography and industry sector. We have developed over 43 distinct models to handle this diversity and continue to increase our coverage.


Using the most powerful indicators, our models achieve over 90% prediction accuracy when assessing the credit risk of SMEs.

The Team

Led by our founder Dr. Altman, we have put together the leading experts of risk management and SME lending from across the world. The unique set of skills and experience stands firmly behind the company’s credibility.

Walter Gontarek

Board Member

Dr Gabriele Sabato

Co-Founder & CEO

Dr Edward Altman


Patrizio Messina

Board Member

Avantika Goel

Head of Wiserfunding India

Jeremy Taylor


Jay Runewitsch

Senior Adviser

Henry Mayger

Growth Manager

Jack Caouette

Board Member

John Levin

Board Member

Dr Galina Andreeva

Senior Adviser

Chia Jeng Yang

Senior Adviser

Dr Markus Schmid

Senior Adviser

Dr Nick Wilson

Senior Adviser

SME Z-Score Coverage

We are building country and industry specific models for SMEs around the world. The map below shows our current and planned expansion.

Our Expansion

Our Customers include:

See more

What Our Customers Say

We are delighted in the partnership with Wiserfunding, a company using the most advanced technologies to innovate the Altman Z-score and provide a comprehensive risk assessment to all SMEs that have issued minibonds on the ExtraMOT PRO, the professional segment of the Extra MOT market. Our collaboration with Wiserfunding started 3 years ago and since then has helped to make the Italian Stock Exchange ExtraMOT PRO market even more transparent and innovative.

Mr. Pietro Poletto

London Stock Exchange Group

We have been working with Wiserfunding now for about a year, and we would not be able to function in the same way without them. The analysis is produced quickly and on time, and is of an excellent standard. The after sales service is also exceptional, with any queries dealt with promptly and with the required detail.

Giles Hannah

FI Capital

We have added to our risk management tool kit by collaborated with Wiserfunding. These tools are essential for our digitised supply chain treasury management and financing platform. Being associated with Dr Altman’s Z-Score has added real value to our clients and our financiers. I recommend the Wiserfunding team, their talent and experiences is unique.

Yogavel Rasanayakam

Lilardia Capital


Simple, bespoke pricing.

We charge an annual licence based on the number of risk assessments that you think you will need per month. Our terms provide you with the flexibility that you need. Get in touch and first experience the power of our platform. Pricing will not make you change your mind.

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Our Research

Before founding Wiserfunding, we spent almost 20 years doing research on how SMEs could best access credit. We’ve always wanted to help SME’s flourish. Find some of our prominent articles below or head to our research section to learn more.

Credit Risk Scoring Models

Credit scoring models play a fundamental role in the risk management practice at most banks.

The Value of Non-Financial Information i...

Within the commercial client segment, small business lending is gradually becoming a major targ...

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