Wiserfunding
“Can a credit analytics platform built on academic SME research become the standard decisioning layer embedded across every SME lender and B2B BNPL provider?”
Founded2017
HQLondon, England, United Kingdom
Total raised$4.1M
Latest roundGrowth Equity
IndustryInfrastructure / Lending
The story
Founded in 2017, Wiserfunding was built on five decades of academic research on SME credit risk, initially focusing on traditional financial data-driven scoring. Over time it expanded its data model to incorporate non-financial and macroeconomic data, positioning itself as an embedded credit analytics layer for lenders rather than a lender itself. Its partnerships with Codat and CrediLinq.AI signal a move toward becoming a data-enrichment and decisioning layer within broader embedded lending stacks, serving B2B BNPL providers, neobanks, and asset managers.
Product timeline
2017
Wiserfunding Limited founded in London, specialising in SME credit risk assessment using financial, non-financial, and macroeconomic data.· pivot
2021
Raised $4.1M total funding to build out credit analytics platform for lenders including neobanks, asset managers, and embedded lenders.· banking
2023
Integrated Codat as a data connector to pull accounting software data into credit risk assessments, enabling lenders to access SME financial data directly.· lending
2024
Announced partnership with CrediLinq.AI to expand SME credit risk capabilities.· lending
2024
Achieved SOC 2 Type II attestation and ISO 27001 compliance certification.· pivot
Regulated entities
1
regulatory licence held by Wiserfunding
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
3 layers disclosed in Wiserfunding’s embedded-finance stack
Lending
SME credit risk scoringCredit screening and underwriting decisioningPortfolio credit monitoringBatch credit assessment reportsAutomated Decision System (ADS) reportsMarket Default Index (MDI) reports
Unified APIs
in the full report
Accounting
in the full report
Accounting gap: none
2 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.