KUKE selects Wiserfunding to digitise risk assessments
Poland’s Export Credit Agency has selected Wiserfunding to increase the efficiency of its lending operations
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The power behind our SME risk models
Utilising SME-specific data with detailed segmentation by sector and region.
Wiserfunding
Jan 15, 2024
Pioneering SME risk assessments
How a pivotal study unfolded into comprehensive solutions, reshaping the landscape of financial understanding
Wiserfunding
Jan 10, 2024
Navigating the New Landscape
The implications of removing the SME supporting factor for financial institutions
Wiserfunding
Jan 9, 2024
How ‘multi-search’ is revolutionising risk management
Wiserfunding's most recent blog post explores how the ‘multi-search’ feature is revolutionising risk management, and why you can’t afford to ignore...
Wiserfunding
Nov 21, 2023
Unlocking new opportunities for SME lending in the GCC
Although the current numbers of SME employees in the GCC may be far below global averages, the ambition is not.
Wiserfunding
Nov 3, 2023
The role of Capital Markets in supporting SMEs funding in the LAC region
Wiserfunding's most recent blog post discusses our founders most recent study, sponsored by the Inter-American Development Bank, on how capital...
Wiserfunding
Oct 11, 2023
Can capital markets play a vital role in supporting SME financing?
Wiserfunding's most recent blog post discusses the benefits of increasing support for SME funding through capital markets.
Wiserfunding
Oct 4, 2023
Risk management 2.0
Balancing human touch and automation
Wiserfunding
Oct 3, 2023
Supply Chain Strain
How to tackle turbulence in the supply chain.
Wiserfunding
Sep 26, 2023
Non-Bank Lending During Crises
Julio Prado, Business Analyst at Wiserfunding, provides a summary of the recently published BIS research, highlighting two fundamental findings.
Julio Prado
Aug 22, 2023
The reality of non-bank lenders during a crisis and how data can help
Wiserfunding CEO Gabriele Sabato explores the recent shifts in lending behaviour during downturns and how they can navigate the market with...
Gabriele Sabato
Aug 22, 2023
Wiserfunding and Cardo AI Partner to Transform Credit Analytics in the Private Debt Market
Through the new partnership, customers can now access Wiserfunding's SME risk analytics natively through Cardo AI's platform.
Wiserfunding
Jul 19, 2023
News
The Future of Private Credit Markets
Evaluating successful growth strategies despite changes in the credit cycle. Learn more about our event with CARDO AI in our latest blog post.
Wiserfunding
Jul 19, 2023
BNPL Buy Now, Pay Later Regulation in the UK: Will it affect B2B Players?
The proposed regulation will land later in 2023. What impact will it have? Read the full article on our blog.
Wiserfunding
Jul 19, 2023
BNPL Affordability for SME Lenders
With Buy Now, Pay Later (BNPL) regulation on the horizon in the UK, the concept of borrower affordability is in full focus.
Wiserfunding
Jun 23, 2023
News
Introducing our new Portfolio Management solution
We’ve seen first-hand how investment managers struggle to maintain real-time insight into portfolio health as market conditions evolve. The wait is...
Wiserfunding
May 10, 2023
News
Wiserfunding and Defyca partner to bring SME debt funding on-chain
We’re very excited to announce our new partnership with DEFYCA, a company building the next generation of private debt, so we can continue to bridge...
Wiserfunding
Dec 5, 2022
News
Breaking the Bias: Challenges and Solutions
As part of International Women's Day celebrations, Wiserfunding joined a distinguished online panel to talk about Breaking the Bias. Full summary...
Wiserfunding
Oct 13, 2022
Case Studies
How LCI improved credit efficiency by 80% using Wiserfunding
LCI needed a credit risk solution that would support them as they tripled their portfolio and reduce the time required to screen potential customers.
Simon Rodrigues
Aug 25, 2022
Case Studies
How Lenderwize is transforming telecommunications financing with Wiserfunding
Lenderwize is a digital marketplace that enables small to medium-sized telecom businesses to optimize cashflow through flexible invoice factoring.
Simon Rodrigues
Aug 11, 2022
Case Studies
How Playter makes instant credit decisions to scale sustainably with Wiserfunding and Codat
How Playter makes instant credit decisions to scale sustainably with Wiserfunding and Codat
Simon Rodrigues
Aug 3, 2022
Blog
The Ukrainian banking system during wartime
The Ukrainian banking system has demonstrated remarkable operational & economic resilience. We look at the underpinnings of this resilience..
Simon Rodrigues
Jul 13, 2022
Blog
Resilience is the new normal
We analysed a random sample of 1,820 SMEs across multiple industries using our unique approach to resilience analysis. Seven distinct archetypes...
Julio Prado
Jul 12, 2022
Blog
Credit Risk Ranking in the Champions League
We sought to demystify the numbers so fans can bridge the gap between football & finance. We compiled three years’ worth of historical data for top...
Simon Rodrigues
May 5, 2022
Blog
What We’ve Heard and What We’ve Been Building
After almost four years of serving clients across four continents, we have gathered an invaluable amount of high-quality feedback about the...
Wiserfunding
Apr 12, 2022
Blog
Weak business models to blame for the collapse of UK energy providers
With 25 UK energy providers now in administration, the impact on consumers is significant. This article highlights the importance the sector’s...
Wiserfunding
Mar 24, 2022
Blog
Four Themes and a Notable Absence from Risk Minds 2021
After years of virtual conferences & the looming threat of the omicron variant, we weren't t sure what to expect when landing in Barcelona for Risk...
Jeff Courtney
Dec 17, 2021
Research
Z-score vs minimum variance preselection methods for constructing small portfolios
## Abstract Several contributions in the literature argue that a significant in-sample risk reduction can be obtained by investing in a relatively...
Francesco Cesarone, Fabiomassimo Mango, Gabriele Sabato
Oct 26, 2021
Research
Assessing the Credit Worthiness of Italian SMEs and Mini-bond Issuers
## Abstract A number of innovations have been introduced in the last five years to counter the devastating impact of credit rationing in Europe,...
Edward I. Altman, Maurizio Esentato and Gabriele Sabato
Oct 26, 2021
Research
Managing Credit Risk For Retail Low-Default Portfolios
## Abstract Low-Default Portfolios (LDPs) form a significant and substantial portion of retail assets at major financial institutions. However, in...
Gabriele Sabato
Oct 26, 2021
Research
SME Borrowers of Alternative Lenders in the UK
## Abstract SMEs (Small and Medium Sized Enterprises) are fundamental to the economic development of any country, and access to credit is seen as an...
Gabriele Sabato, Edward Altman and Galina Andreeva
Oct 26, 2021
Research
Financial Crisis: Where Did Risk Management Fail?
## Abstract The real estate market bubble and the subprime mortgages have been often identified as the causes of the current financial crisis, but...
Gabriele Sabato
Oct 26, 2021
News
COVID Impact - Bankruptcies at record | Prof. Edward Altman speaks to ET Now
COVID Impact - Bankruptcies at record | Prof. Edward Altman speaks to ET Now
Admin
Oct 26, 2021
Admin
Oct 26, 2021
Blog
New members of Wiserfunding's Advisory Board
Wiserfunding are pleased to introduce new members of our advisory board | Wiserfunding Blog
Wiserfunding
Oct 26, 2021
Research
Restarting the Economy: How can we cure the overleveraging problem of UK SMEs?
## Introduction The COVID-19 pandemic has proved to be the perfect trigger to the current economic recession, but the global economy was already weak...
Gabriele Sabato
Oct 26, 2021
News
Z-Score Creator Altman Builds Model for Small Business Defaults
Z-Score Creator Altman Builds Model for Small Business Defaults
Admin
Oct 26, 2021
News
Exclusive | India and the world were already overleveraged when COVID-19 hit, hence there will be massive bankruptcies: NYU professor emeritus Edward Altman
Exclusive | India and the world were already overleveraged when COVID-19 hit, hence there will be massive bankruptcies: NYU professor emeritus Edward...
Admin
Oct 26, 2021
News
New Coronavirus fintech taskforce offers support to SMEs
New Coronavirus fintech taskforce offers support to SMEs
Admin
Oct 26, 2021
News
New credit risk platform aims to boost SME lending
New credit risk platform aims to boost SME lending
Admin
Oct 26, 2021
News
CEO of Wiserfunding comments on Small Business Survey 2018
CEO of Wiserfunding comments on Small Business Survey 2018
Admin
Oct 26, 2021
News
Nimbla and Wiserfunding partner to protect UK SMEs from insolvency
Nimbla and Wiserfunding partner to protect UK SMEs from insolvency
Admin
Oct 26, 2021
News
THE MASTERS SERIES - Edward I. Altman, PhD: Fifty Years of Z-Scores to Predict the Probability of Corporate Bankruptcy
THE MASTERS SERIES - Edward I. Altman, PhD: Fifty Years of Z-Scores to Predict the Probability of Corporate Bankruptcy
Admin
Oct 26, 2021
Blog
Climate Risk and SME Credit Analytics: An Urgent & Emerging Discipline
After almost four years of serving clients across four continents, we have gathered an invaluable amount of high-quality feedback on our platform.
Wiserfunding
Oct 26, 2021
Research
Modeling Credit Risk For SMEs : Evidence From The US Market
## Abstract Considering the fundamental role played by small and medium sized enterprises (SMEs) in the economy of many countries and the...
Gabriele Sabato, and Edward I. Altman
Oct 26, 2021
Research
The link between default and recovery rates: effects on the procyclicality of regulatory capital ratios
## Abstract Credit scoring models play a fundamental role in the risk management practice at most banks. They are used to quantify credit risk at...
Edward I. Altman, Andrea Resi, and Andrea Sironi
Oct 26, 2021
News
Fintech taskforce established to help SMEs cope with COVID-19 pandemic
Fintech taskforce established to help SMEs cope with COVID-19 pandemic
Admin
Oct 26, 2021
News
Invoice Financing Marketplace Crowdz Partners Wiserfunding to Provide Improved SME Default Assessments
Invoice Financing Marketplace Crowdz Partners Wiserfunding to Provide Improved SME Default Assessments
Admin
Oct 26, 2021
Research
Credit Scoring for SMEs: what have we learnt from the Z-Score and how have we transformed it for the future
Credit Scoring for SMEs: what have we learnt from the Z-Score and how have we transformed it for the future
Admin
Oct 26, 2021
News
Online Lending Platform Trade Ledger Forms Fintech Taskforce with Wiserfunding, Nimbla, NorthRow
Online Lending Platform Trade Ledger Forms Fintech Taskforce with Wiserfunding, Nimbla, NorthRow
Admin
Oct 26, 2021
Research
Estimating Conservative Loss Given Default
## Abstract The new Basel Capital Accord (Basel II) is going to be embedded in the risk management practices at many financial institutions shortly,...
Gabriele Sabato and Markus M. Shmid
Oct 26, 2021
Blog
The Credit Cycle Outlook
As public markets wrestle with macroeconomic risks and difficult national and regional events, the bull run of the past decade shows signs of coming...
Simon Rodrigues
Oct 26, 2021
Research
Credit Risk Scoring Models
## Abstract Credit scoring models play a fundamental role in the risk management practice at most banks. They are used to quantify credit risk at...
Gabriele Sabato
Oct 26, 2021
Research
Private Debt Markets: What lies ahead
## Abstract According to the Chinese horoscope, 2021 is the year of the Ox. In the Chinese culture, the Ox is an animal traditionally used in...
Wiserfunding
Oct 26, 2021
News
Coronavirus fintech taskforce created to help lenders support SMEs
Coronavirus fintech taskforce created to help lenders support SMEs
Admin
Oct 26, 2021
Blog
Interview with Gabriele Sabato, CEO and co-founder
We're all conscious that today, the first signs of recovery have now fleeted. There are fears of inflation and fears of labour shortage across...
Admin
Oct 26, 2021
News
Nimbla Teams With Wiserfunding To Safeguard Invoices
Nimbla Teams With Wiserfunding To Safeguard Invoices
Admin
Oct 26, 2021
News
Business banking battle heats up as Nationwide prepares to enter the fray amid a surge of small businesses switching accounts
Business banking battle heats up as Nationwide prepares to enter the fray amid a surge of small businesses switching accounts
Admin
Oct 26, 2021
News
UK-based fintech Wiserfunding set to foray into India's MSME credit market
UK-based fintech Wiserfunding set to foray into India's MSME credit market
Admin
Oct 26, 2021
Blog
Fintech Solutions to Drive Economic Recovery in the SME Space
Opinion by Gabriele Sabato, Co-founder & CEO of Wiserfunding
Gabriele Sabato
Oct 26, 2021
Research
The Link between Default and Recovery Rates: effects on the procyclicality of regulatory capital ratios
## Abstract This paper analyzes the impact of various assumptions about the association between aggregate default probabilities and the loss given...
Edward I. Altman, Brooks Brady, Andrea Resti and Andrea Sironi
Oct 26, 2021
Research
Effects of the New Basel Capital Accord on Bank Capital Requirements for SMEs
## Abstract Using data from three countries (US, Italy and Australia) and surveying related studies from several Other countries in Europe, we...
Edward I. Altman, Gabriele Sabato
Oct 26, 2021
Research
Risk Management, Corporate Governance, and Bank Performance in the Financial Crisis
## Abstract The recent financial crisis has raised several questions with respect to the corporate governance of financial institutions. This paper...
Vincent Aebi, Gabriele Sabato, and Markus Schmid
Oct 26, 2021
Research
Revisiting Credit Scoring Models in a Basel 2 Environment
## Abstract This paper discusses two of the primary motivating influences on the recent development/revisions of credit scoring models, i.e., the...
Edward I. Altman
Oct 26, 2021
Research
Measuring and Managing Credit and Other Risks
## Abstract During the last 40 years, risk management has evolved tremendously. The technologies and methodologies to measure risks have reached...
Gabriele Sabato
Oct 26, 2021
Research
Edward Altman: Where Are We in the Credit Cycle?
# What Is a Benign Credit Cycle? By my definition, benign credit cycles are periods when most if not all four aspects of the market are incentivizing...
Edward Altman
Oct 26, 2021
Research
Does Industry-wide Distress Affect Defaulted Firms? - Evidence from Creditor Recoveries
## Abstract Using data on defaulted firms in the United States over the period 1982 to 1999, we show that creditors of defaulted firms recover...
Viral V. Acharya, Sreedhar T. Bharath, and Anand Srinivasan
Oct 26, 2021
News
Wiserfunding Co-Founder Dr. Edward Altman at the European Parliament
Wiserfunding Co-Founder Dr. Edward Altman at the European Parliament
Admin
Oct 26, 2021
Research
The Value of Non-Financial Information in SME Risk Management
## Abstract Within the commercial client segment, small business lending is gradually becoming a major target for many banks. The new Basel Capital...
Edward I. Altman, Nicholas Wilson and Gabriele Sabato
Oct 26, 2021
News
Father of Z-Scores Discusses Virus Impact on Corporate America
Father of Z-Scores Discusses Virus Impact on Corporate America
Admin
Oct 26, 2021
Research
Financial Ratios, Discriminant Analysis and the Prediction of Corporate Bankruptcy
## Introduction ACADEMICIANS seem to be moving toward the elimination of ratio analysis as an analytical technique in assessing the performance of...
Edward I. Altman
Oct 26, 2021
News
Rising risk of default contagion? | Exclusive Interview With Edward Altman
Rising risk of default contagion? | Exclusive Interview With Edward Altman
Admin
Oct 26, 2021
News
Digital taskforce seeks lenders for Covid-19 SME cashflow project
Digital taskforce seeks lenders for Covid-19 SME cashflow project
Admin
Oct 26, 2021
How Playter makes instant credit decisions
Playter is a B2B BNPL solution that empowers SMEs to take control of their cashflow through fast, flexible funding to spread their invoice across 6...
Simon Rodrigues
Aug 2, 2021
News
US heading for 2nd largest bankruptcies: Edward Altman
There is no question that the global economy is now in a financial crisis, perhaps unprecedented in its type and quite different than the one in...
Admin
Jun 2, 2021
Blog
Mastering Risk Management in the Digital Payments Space
Merchant acquirers are faced with a challenging environment and will have to face further risks. The credit risk process needs to be effective and...
Julio Prado
Jan 11, 2021
Research
Solving Sample Selection Bias in Credit Scoring: The Reject Inference
## Introduction Nonrandom samples may present a significant problem in credit scoring. In general, the developer of a credit scoring system possesses...
Gabriele Sabato
Jan 3, 2021
News
Second lockdown could lead to 90,000 jobs and half of hospitality companies collapsing, study warns
Second lockdown could lead to 90,000 jobs and half of hospitality companies collapsing, study warns
Admin
Sep 2, 2020
News
More than a quarter of Scots hospitality firms could collapse in wake of pandemic
More than a quarter of Scots hospitality firms could collapse in wake of pandemic
Admin
Sep 2, 2020
Admin
Aug 2, 2020
News
UK fintech Wiserfunding to enter India, will invest up to $5 million
UK fintech Wiserfunding to enter India, will invest up to $5 million
Admin
Aug 2, 2020
News
Trade finance blockchain startup grows customers by 5,000% during COVID
Trade finance blockchain startup grows customers by 5,000% during COVID
Admin
Jul 7, 2020
News
UK fintech Wiserfunding enters India, to invest $5 million in three years
UK fintech Wiserfunding enters India, to invest $5 million in three years
Admin
Jul 4, 2020
News
Wiserfunding enters India, rolls out credit risk assessment tool for MSMEs
Wiserfunding enters India, rolls out credit risk assessment tool for MSMEs
Admin
Jul 3, 2020
News
Wiserfunding enters Indian market, to provide lending solutions for SME sector
Wiserfunding enters Indian market, to provide lending solutions for SME sector
Admin
Jul 3, 2020
News
UK Fintech Wiserfunding to Introduce AI enhanced Cloud based Credit Risk Assessment Tools in India
UK Fintech Wiserfunding to Introduce AI enhanced Cloud based Credit Risk Assessment Tools in India
Admin
Jul 3, 2020
News
UK-based fintech Wiserfunding launches in India
UK-based fintech Wiserfunding launches in India
Admin
Jul 3, 2020
News
Trade Ledger integrates Wiserfunding to advance credit risk mitigation
Trade Ledger integrates Wiserfunding to advance credit risk mitigation
Admin
Mar 11, 2020
News
Trade Ledger Partners With Wiserfunding For Commercial Risk Assessments
Trade Ledger Partners With Wiserfunding For Commercial Risk Assessments
Admin
Feb 10, 2020
Research
Now you can predict small business failure: Industry legend who created algorithm to predict bankruptcy in large firms launches new tool
Now you can predict small business failure: Industry legend who created algorithm to predict bankruptcy in large firms launches new tool
Admin
Sep 9, 2019
News
Wiserfunding partners with European rating agency modefinance
Wiserfunding partners with European rating agency modefinance
Admin
Jul 19, 2019
Research
A fifty-year retrospective on credit risk models, the Altman Z-score family of models and their applications to financial markets and managerial strategies
## Abstract Fifty years ago, in 1967, I completed my PhD dissertation, which involved the first multivariate model for predicting the financial...
Edward I. Altman
Jul 5, 2018
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