“If you want something new, you have to stop doing something old.”
–Peter F. Drucker
Building the new market standard to assess the credit risk of SMEs
Dr. Edward Altman and Dr. Gabriele Sabato started Wiserfunding to put in practice everything they had learnt in many years of research and work on SMEs. Wiserfunding enables bank and non-bank lenders, investors and corporates to better allocate funds to SMEs, helping them to build their assets, lend money in a risk-managed way, and reduce the cost of acquiring new suppliers or customers. By accessing more comprehensive data to show which companies will likely generate long term value, financial markets can help SMEs to grow and prosper.
Building on the Z-Score model, which has stood as the industry standard for 50 years, Wiserfunding uses Artificial Intelligence to assess intangible factors such as corporate governance, management capacity and macroeconomic outlook.
Interviews with our Founders
Find out more about Wiserfunding with these interviews with our founders.
Dr Gabriele Sabato on helping SMEs build a strong credit culture and improving market efficiency.
SME Specific Independent Models
Dr Gabriele Sabato on creating SME specific independent models for measuring risk and helping SMEs
Where We are in the Credit Cycle
Dr Edward Altman on where we are in the credit cycle.
Partnering with the Italian Stock Exchan...
Dr Edward Altman on Wiserfunding partnering with the Italian Stock Exchange
Fully Automated Risk Solutions
Dr Gabriele Sabato on creating a cloud based, fully automated risk solution to assess the credit
Dr Gabriele Sabato on the journey of creating Wiserfunding, a cloud based, fully automated risk
Dr Gabriele Sabato on creating Wiserfunding to combine the original Z-Score with the latest the technology.
Economic Downturn Effects
Dr Edward Altman on the effects of an economic downturn on the financial industry
The Original Z-Score Model
Dr Edward Altman on developing the original Z-Score model, the first multi variate model to assess the risk of companies.