Embedded-finance supplier tracked in the Embedded Finance Index — no company has publicly disclosed it yet. Filed under Infrastructure / Lending.
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.