Our Platform
Powerfully simple
Credit risk is complicated, but insights shouldn’t be. We built our platform to allow you to get the most out of our models, regardless of your expertise.
Reporting
Generate comprehensive assessments with our proprietary metrics in under 10 seconds, and share them instantly with your team, customers, and investors.
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Risk models
Over 76 models tailored by sector and geography give you the most relevant and reliable risk ratings.
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Data sources
Build a 360° customer view with financial variables enriched by corporate governance, press coverage, social media, and macroeconomic data.
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Reporting
Credit scoring, made for SMEs. Gain access to our proprietary metrics to understand your risk exposure in the fastest, simplest form.
SME Z-Score and Bond Rating Equivalent
Cut through the complexity of risk reporting with a single, comprehensive metric based on all 3 modules of our risk engine. Each business receives a risk rating from 0 to 1,000 alongside industry and geography benchmarks, so you know exactly how your risk profile stacks up. Communicate risk using a scale your investors already understand. Our BRE translates the SME Z-Score into the S&P’s bond rating scale based on a sample of 100,000+ global corporate bonds issued in the last 4 decades.
Probability of Default and Loss Given Default
Generate a reliable Probability of Default for your reporting and financial modelling. We calculate a 1-year PD by transforming the SME Z-Score using exponential formulas, calibrated by country and industry. Understand exactly how much is at stake in a worst-case scenario. We derive an unsecured LGD for each company using balance sheet ratios and macroeconomic benchmarks in similar industries and countries.
Risk models
SMEs are a special breed that can’t be assessed using consumer or corporate tools. We’ve developed an archive of models tailored to companies from £500k to £500mn in annual turnover.
Industry and country-specific
One size doesn’t fit all for credit risk. Our archive of 76 risk models are individually calibrated by sector and geography using an SME dataset covering 20+ years. We build benchmarks directly into the platform to give you the precise context you need to make decisions confidently.
Latest and greatest
We’ve built 76 risk models so far, but we’re not stopping there. We’re constantly sourcing new data from new geographies to widen our coverage. Each model gets routinely refreshed with the latest data, so your insights are always fresh without needing to invest in model maintenance.


Data sources
Company accounts are just the beginning. We supplement core financials with unstructured, qualitative, and macroeconomic data so you have full access to all the information that matters.
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API vs. Portal
We built Wiserfunding to give you credit intelligence anytime, anywhere, completely on your own terms.

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Learn how Wiserfunding’s SME risk solutions can help you drive business innovation and impact.
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