Unlock the power of smart lending
At Wiserfunding, we're dedicated to helping you navigate the intricate world of SME credit risk management. Our mission is simple: empower lenders across the UK and EU to make fast, accurate, and confident lending decisions.
Insightful perspective, cutting-edge technology
Combining cutting-edge technology with over 70 years of expertise, Wiserfunding provides you with unparalleled insight into the SME credit lifecycle. Our solutions are designed to extract the true value from raw and unstructured data, giving you a crystal-clear view of companies, sectors, and the broader market landscape.
It's all about data
Assessing SME credit risk doesn't have to be a daunting task. You need the right data, and we've got you covered:
- Financial History: Get access to up-to-date management information, company structure details, and corporate governance insights.
- Legal Events: Stay informed about any defaults or CCJs.
- Social Media Engagement: Understand the social media presence of your clients.
- Press Releases: Keep up with the latest developments not reflected in structured data.
- Macro-Economic Conditions: Gain insights into current trading conditions, vital for informed lending decisions.
But here's the challenge: collecting and analysing all this data takes time and expertise. That's where Wiserfunding comes in.
Empower your analysts and portfolio managers
Our solution streamlines the process, allowing your skilled analysts to work efficiently without overextending your team.
The result? A risk profile up to 30% more accurate than the market standard.
Our solution taps into dozens of APIs, providing over 800 data points for every SME in the UK and Europe, freeing up your analysts time by collating and processing all the data they need to make a confident lending decision.
Access financial data from the past decade, instantly calculate key financial ratios, and generate trend graphs over the last five years, all accompanied by detailed risk commentary.
Harness the power of Machine Learning and Natural Language Processing to transform non-financial data into valuable variables, including legal information, defaults, CCJs, governance structures, PEPs, and press coverage.
Utilise region-specific macro-economic indicators, including GDP growth, default rates, inflation, bank rates, and unemployment rates to get a more accurate, forward-looking risk profile.
In today's ever-changing financial landscape, taking chances is riskier than ever. With high-interest rates, rising inflation, and recession looming, businesses need financial support, and lenders need robust portfolio oversight.
Founded in 2016 by Professor Edward Altman and Dr. Gabriele Sabato, and backed by BGF, Wiserfunding has already facilitated over £3 billion in lending worldwide.
Our solutions offer a swift, accurate, comprehensive snapshot to enhance understanding and drive your business forward. Explore our end-to-end solutions platform, including Origination, Portfolio Management, and Regulatory Compliance.
Our end-to-end solutions platform comprises:
Power up the velocity of your sales funnel with automated tools to find, screen, and evaluate new business instantly using up to date data, not just filed accounts.
“We get data in 15 seconds that banks and credit bureaus don’t, and the integration with our credit analytics enables us to make good, fast lending decisions.” - Playter
Gain invaluable insights to bolster the resilience of your portfolio and receive actionable insights should the risk metrics of a company change.
“Wiserfunding gives us a complete and uniform tool for analysis that should be the industry standard. It blows away anything I’ve seen for credit reporting for SMEs.” - Lenderwize
Turn compliance from stressful to second nature with custom risk models, IFRS9 and capital reporting.
“Wiserfunding worked with us to build tailored LGD risk models so our risk function could easily become compliant with new FCA regulations.” - Assetz Capital