“Can a credit analytics platform built on academic SME research become the standard decisioning layer embedded across every SME lender and B2B BNPL provider?”
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.
Wiserfunding integrates with Codat.
The Embedded Finance Index 2026 maps 3 layers in Wiserfunding's stack: Lending (SME credit risk scoring, Credit screening and underwriting decisioning, Portfolio credit monitoring, Batch credit assessment reports and 2 others); Unified APIs (Codat); Accounting (Codat).
Wiserfunding is founded in 2017 and headquartered in London, England, United Kingdom.
Wiserfunding has raised $4.1M in total (latest round: Growth Equity).
Get a read on where your own stack stands against Wiserfunding and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.