THE SME CREDIT RISK EXPERTS

We Give Asset Managers the Confidence to Navigate Credit Risks

With coverage of the full credit cycle: origination, portfolio and regulatory – all in one platform!

OUR PLATFORM

Intuitive platform,
empowering
decisions

Explore the nuances of SME lending with our intuitive and information-packed platform

SEE WHAT YOU CAN ACCOMPLISH WITH WISERFUNDING

1) Identify SMEs to Invest In

We refer to this as the Origination step. Our platform provides access to relevant financial and non-financial data for over 10 million SMEs, each downloadable in under 4 seconds. This capability enables you to identify high-potential investment opportunities and build a robust portfolio from the start.

2) Easily Manage Portfolio

Once you have created your complete portfolio on our platform, you get 24/7:

  • Monitoring: Receive early warning indicators, such as real risk change alerts, to provide actionable insights and effective oversight.
  • Management: Utilize easy-to-execute stress tests, resilience analysis and bespoke analytics to drive proactive management.
  • Intelligence: Benefit from streamlined reporting and benchmarking to take quick, consistent action across your organisation.

3) Ensure Compliance

We provide the expertise to help you comply with local and international financial regulations, offering precise calculations such as IFRS9.

HOW DO WE DO IT?

WITH OUR TECHNOLOGY

We leverage advanced algorithms to rapidly process vast amounts of structured and unstructured data from various sources, even integrating with your existing systems!
The result is a personalized, automated dashboard that delivers key insights, including risk assessments, financial and non-financial metrics, and macroeconomic updates curated by our experts.

WITH OUR EXPERTS

In addition to our innovative platform, we are honored to have the expertise of our Co-founder, Prof. Ed Altman. Renowned in the field of finance and the creator of the SME Z-Score, Prof. Altman brings invaluable insights and knowledge to our mission and our CEO, Gabriele Sabato expert on credit risk intelligence.

 Want to receive the latest review from Prof. Altman and Dr. Gabriele Sabato on “Where we are in the credit cycle?”

Receive the webinar recording we hosted on September 2024 and PDF materials by filling out the form below!

What You’ll Discover in Your Exclusive Materials:

  • The Status of the Credit Cycle: Understand the current landscape and what to expect for the remainder of 2024.
  • Key Risk Metrics: Discover the trends in default rates, recovery rates, required rates on return, distress ratio and liquidity and what they mean for your investments.
  • Recession Outlook: Learn why our experts believe we are heading toward a recession and the implications for rising default rates as we approach a Stressed credit cycle.
  • Data-Driven Insights: Gain access to compelling data and graphs illustrating the surge in Chapter 11 bankruptcies in the US and UK.
  • Wiserfunding Solutions: Explore our innovative Portfolio product, designed to automate credit risk intelligence and help identify companies facing key risks.

Our Valued Clients

Case Study

A Regional Bank Enhances Screening and Origination with Wiserfunding

Background:

A regional bank serving the SME sector wanted to speed up their loan origination process while reducing the risk of bad debts. The bank was using a traditional credit scoring model that failed to capture the complex landscape of SME risk.

Implementation:

The bank implemented Wiserfunding for its advanced predictive analytics and immediate access to an intuitive platform. Within just one hour, the team was trained and started screening potential loan applicants using Wiserfunding's sophisticated AI-driven algorithms.

Results:

Time-to-decision
was cut down by 40%.

Accuracy in identifying high-risk applicants improved by 25%.

Loan origination costs reduced by 15% due to the efficiency of the system.

Case Study

A national bank revolutionises underwriting with Wiserfunding

Background:

A national bank was seeking to improve its underwriting process for SME loans. Their existing systems were causing delays and lacked predictive capabilities.

Implementation:

The bank used Wiserfunding's API to integrate its advanced analytics into their existing underwriting workflow. Integration was completed within three hours, and the underwriting team started using the platform immediately.

Results:

Non-performing loans saw a reduction of 20% in the first quarter.

Time spent on underwriting tasks Time spent on underwriting tasks reduced by 30% due to predictive analytics and insights.

Loan profitability improved as better risk assessment led to more accurate pricing.

Case Study

A UK bank optimises portfolio management with Wiserfunding

Background:

A multinational bank was struggling with portfolio management for its SME loans. They faced challenges in identifying emerging risks and taking timely action.

Implementation:

The bank incorporated Wiserfunding's portfolio management solution, leveraging its native integrations with other banking platforms they were already using. A dedicated customer success manager from Wiserfunding ensured smooth implementation.

Results:

Early warning indicators
helped proactively manage risks, reducing potential losses by 10% in the first six months.

Time spent on portfolio analysis was cut in half, allowing for more strategic activities.

Compliance and reporting became more straightforward due to the advanced analytics, reducing manual work and chances of error.

Case Study

An SME Bank Achieves Unprecedented Operational Efficiency with Wiserfunding

Background:

A community-focused bank was grappling with operational bottlenecks in its credit risk management workflow. The bank was heavily reliant on manual processes to collect and analyse credit data, leading to high staff workload and prolonged decision times.

Implementation:

Recognising the need for efficiency, the bank chose Wiserfunding for its cutting-edge technology and ability to integrate seamlessly into their existing systems. With the API integrated in just three hours and staff trained within one hour, the platform was ready for action.

Results:

Instant Data Collection and Analysis: As soon as Wiserfunding was implemented, data collection and analysis that previously took hours, if not days, was executed in a matter of seconds. This was made possible by Wiserfunding's state-of-the-art analytics and AI capabilities.

Staff Reallocated to Value-Added Tasks: Freed from the tedium of manual data collection and basic analysis, staff members were reallocated to more value-added tasks such as customer engagement, strategic planning, and complex risk assessment.

Higher Job Satisfaction: As the staff shifted to more meaningful work, the bank experienced a rise in employee satisfaction scores, resulting in lower turnover and higher productivity.

Boost in Overall Efficiency: By automating the routine but essential process of data collection and preliminary analysis, the bank achieved an overall operational efficiency gain of 35%, a figure that surpassed their initial goals for the project..