Wiserfunding

?? ?????????????? ???????????? ?????????????????????????? ???? ????????: ?????? ?????????????????????? ??????’?? ?????????????????????? ?? ?????????????? ?????? ?????????????? Rising interest rates, volatile markets, and shifting global trade—uncertainty is everywhere. But while some lenders see risk, others see opportunity. The question is: How can you position yourself on the winning side? Periods of uncertainty have historically been a goldmine for well-prepared lenders. With the right approach, you can unlock higher returns, capitalise on market inefficiencies, and meet the rising demand for alternative financing. ?? ?????????????? ?????????? ?????? ???????????????? ?????? ?????? ???? ?????? ???? ???????? ??????????????????????? Dive into our latest article where we break down: ? Why private credit thrives in volatile times ? How interest rates are shaping new opportunities ??Key strategies for lenders to stay ahead in 2025 ?? ???????? ?????? ???????? ?????????????? ???? ?????????? ?????? ???? ???????? ??????????’?? ?????????????????????? ???????? ????????????????’?? ??????????????. ?? ???????? ???? ?????????????? ???????????????????? ???????? ???????????????? ??????????????? Join us at Private Credit Connect London on 26 March—where our CEO, Gabriele Sabato, will share expert insights on data-driven credit risk assessment. ?? Date: 26 March ?? Location: London ?? ???????????????? & ?????????? ????????: https://2ly.link/24gZ5 #investment #finance #fintech #wiserfunding

?? ???????????????????????? ?????????????? ?????????????? ???????????? ?????????????? ?????????? ???? ????????????? We’re thrilled to announce that Wiserfunding will be attending the Private Credit Connect event in London, organised by Invisso and the European Leveraged Finance Association! This is an incredible opportunity to connect with leaders in the private credit space and explore innovative approaches to credit risk assessment. Our CEO, Gabriele Sabato, will be present to discuss how Wiserfunding’s data-driven tools and expertise can help lenders confidently navigate uncertainty and make informed, strategic decisions. Looking forward to engaging with industry professionals and sharing knowledge to drive smart lending decisions! ?? Date: 26 March? ?? Location: London Learn more about the event & Join our discussion: https://2ly.link/24gZ5 #investment #finance #fintech

Are investors becoming more selective in FinTech funding? New data from FinTech Global reveals a sharp decline in investment in the French FinTech sector, with funding dropping by 40% in 2024. The number of deals also fell by 64%, marking the lowest level in five years. This suggests a shift in investor behaviour, with many focusing on larger, more established firms rather than early-stage startups. Despite the overall decline, the average deal size rose by 67% to $15.8 million, highlighting a preference for fewer but higher-value investments. Does this signal a long-term change in how FinTech startups secure funding, or is it a temporary response to market conditions? https://lnkd.in/etfPdhbZ

?? ???????????? ?????????? ???? ???????????????? – ?????? ?????? ?????? ???????????????? ?????? ???????????? Yesterday marked three years since Russia’s invasion of Ukraine—a stark reminder of how geopolitical events can disrupt global trade and economic stability. Trade is no longer just about cost efficiency, it’s about ???????? ????????????????????. With economic fragmentation, rising tariffs, and regulatory uncertainty, businesses are rethinking supply chains, and lenders must reassess credit risk. ?? ?????? ?????????????? ???? ???????????????? ?????????????????????????? ? Trade barriers have surged: harmful new policy interventions rose from 600 in 2017 to over 3,000 annually since 2022. ? Geoeconomic confrontation—sanctions, tariffs, investment screening—is now a top risk for businesses in 2025. ? Digital supply chains are facing growing threats from cybersecurity risks, misinformation, and AI-driven challenges. ?? ?????? ???????????????????? ?????? ???????????????? ? 40% of supply-chain executives globally are increasing US sourcing to navigate tariffs.? ? ? 33% are cutting costs to offset higher tariffs.? ? ? 46% are diversifying geographically to enter new markets and hedge against disruptions.? ? ??42% are localising supply chains to cut transport costs and improve oversight. In addition to geographic diversification, ????% ???? ?????????? ???????????? ?????????????? ???????? ???????? ???????????? ???????? ?????????? ??????????????????. However, this increases complexity. Managing a growing web of suppliers requires significant time and resources. Here, technology can help: AI-driven contract and pricing platforms can enable executives to focus on strengthening supplier relationships, simplifying supply chain management. At Wiserfunding, ???? ?????????? ?????????????? ?????? ???????????? ???????? ????????-???????????? ???????? ?????????????????????? ???? ???????????????? ???????????????? ????????????????????. Our tools assess how global trade risks impact creditworthiness, enabling confident, well-informed decisions in uncertain markets.? 2025 will be shaped by those who can adapt. Explore our slides for actionable insights, and ??????’?? ?????????????? ???? ?????? ???????????????? ?? #globaltrade #supplychains #investment #geopolitics #ecas?

???? ?????????????????? ?????????? ???? ??%—???????? ???? ?????????? ?????? ???????? ??????????????????? Inflation picked up faster than expected in January, climbing to ??.??% from 2.5% in December. While this rate remains relatively low compared to recent years, the unexpected increase raises key concerns for lenders and businesses alike. The biggest drivers? Airfares, food prices, and the introduction of VAT on private school fees. Meanwhile, core inflation—stripping out food and energy—rose to 3.7%, reinforcing concerns about persistent price pressures in the economy. ?????? ??????????????, ?????? ???????????????????????? ?????? ??????????:? ? ?? ?????????????? ???????? ???????? – Markets now anticipate fewer and slower interest rate cuts from the Bank of England. Borrowing costs may stay elevated for longer, impacting refinancing and liquidity planning. ?? ???????????? ???????????????? ?????????? – April’s increase in minimum wage and national insurance contributions could push businesses to raise prices, squeeze margins, or take on more debt, all of which increase financial risk. ?? ???????????? ???????? ???????????????????? – Rising costs could strain consumer spending and corporate balance sheets, increasing the likelihood of late payments and defaults. ?????????????????? ???? ???????????????? ???? ???????? ??????????????, ?????????????????????? ?????????????? ???? ??.??% ???????? ???????? due to higher energy prices, regulated cost increases, and the impact of wage and national insurance hikes. However, it’s anticipated to gradually decline as these pressures ease.?? ? In a climate of persistent inflation and uncertain interest rate policy, risk assessment must be forward-looking. Lenders may need to adjust their models to account for prolonged high interest rates and a slowing economy. ?????? ???????? ???????? ???????????? ???????????????? ?????? ????????’?? ???????????? ? At Wiserfunding, our advanced credit risk models incorporate not just historical financials, but also real-time economic indicators, helping lenders anticipate stress points before they become defaults. ?????????????? ???? ?????? ?? ???????????? ????????????????: https://2ly.link/23azP #inflation #finance #credit #investment

?? ?????????? ?????????????????? ?????????? ???? ??????????????????????: ???????????????????? ?????? ?????????? ???? ???????????? ?????????????????????? ?As economic policies shift under President Trump, Nobel-winning economist Joseph Stiglitz raises alarms about the risk of stagflation. Unpredictable tariffs and trade agreements are creating uncertainty, impacting both corporate decisions and global financial stability. ?? ?????????????? ?????? ??????????????????????: ?????? ???????????? ???? ???????????? ?????????? Stiglitz warns that fluctuating tariffs are making the U.S. a risky investment environment, causing businesses to rethink their strategies and locations. For lenders, this means more market volatility and disruptions. ?? ??????????’?? ?????????????????? “?????????????????? ??????????????” The idea of a “selective default” on U.S. debt, although retracted, threatens to disrupt global markets. As U.S. Treasuries are the bedrock of global finance, any risk to their credibility could escalate borrowing costs for investors worldwide.? The global reserve currency status of the dollar may come into question, forcing lenders and financial institutions to reconsider their exposure to U.S. assets. ?? ???????? ???????? ???????? ???????? ?????? ?????????????? ???????????? ?????? ???????????? ????????????? Rising inflation, weaker growth, and political instability are creating an increasingly high-risk environment. At Wiserfunding, we provide tools and insights to help you make informed credit decisions in these uncertain times. ?? ???? ???????? ???? ???????? ???????? ???????????????? ?????????????????? ???? ???????????? ????????????????????. Connect with us to strengthen your credit risk strategies amid rising uncertainty: https://2ly.link/23azP? #investment #finance #fintech #default #inflation

?? ???????????????????? ?????????? ???? ????????-?????????? ????????-?????????????????????? ????????: ????????’?? ???????????? ???????????????? Liquidity risk is one of the biggest challenges in private credit—especially for lenders investing in open-ended loan-originating alternative investment funds (AIFs). With growing regulatory pressures, how can you ensure their investments remain stable and secure? ?? ????????’?? ???????????? ?????????????????? ?????? ???? ???????????????????? ???????? ???????????????????? ???? ?????????? ??????????, ?????????????????????? ?????? ???????????????????????? ????????????: ? ???????????? ?????????????? – Mandatory quarterly (or more frequent) stress tests to assess redemption risks. ? ?????????????????? ???????????????????? ???????????????????? – Clear policies on redemptions, notice periods, and liquid asset holdings. ? ???????????? ?????????????? & ???????????????? – Assessing whether a fund’s loan book and leverage are aligned with liquidity risk management. At the heart of these changes is the balance between financial stability and business access to funding. For lenders, understanding these new requirements is crucial to mitigating risks and making informed investment decisions. ? ???????? ?????? ???????????????????????? ?????????????? ???? ???? ?????????? ????????, ?????? ???? ?????? ???????? ???? ?????????????? ?? ???????? ?????? ???????? ?????????????? ???? ???????????????????? ?????? ?????????????????? ?????????? ?????????????? ???????????? ???????? ???? ?????????? ???????? ????????’?? ?????????????????? #Investment #AIFs #Liquidity #ESMA #Lending #RiskManagement

Don’t miss the chance to participate in NEITEC’s webinar, where our co-founder and CEO, Gabriele Sabato, alongside other leading finance experts, will dive into ?????? ?????????????? ???????? ?????? ???????? ???????????? ?????? ?????????????????? ?????? ?????? ???????? ???? ???????????????? ??????????????. ?? ? ?? ????????: Tomorrow, 13th February, 16:00 - 17:30 PM (CET) ???????????????????: Spanish ?? ???????????????? ?????? ???? ???????????? ???????? ????????:?https://lnkd.in/eknH_etf ? We look forward to collaborating with you in shaping the future of finance!

?? ?????????? ?????? ?????????????? ????????????: ?????? ???????????? ?????????? ???? ????????????????? The Bank of England’s Financial Policy Committee and the Prudential Regulation Authority have raised concerns about banks’ growing exposure to private equity financing. Lenders face a complex challenge—managing private equity leverage while keeping risks in check. Loans are layered across investors, fund managers, funds, and portfolio companies, often structured through Net Asset Value loans and other intricate mechanisms. Private equity fuels investment and growth, but its dependence on debt creates financial vulnerabilities. Banks play a key role in funding these deals, yet if leveraged companies struggle, the fallout could be significant. ?????? ?????????????? ???????????????? ?????? ?????? ?????????? ??????????? ?? ?????????????????? ?????????????? ?????? ??????????? ???????????? ?????????? – Lending directly to private equity firms supports acquisitions and expansion, generating fees and interest for banks. However, if these firms default, banks bear the financial strain, facing significant losses that impact their balance sheets. ???????????????????????????? – Converting loans into securities helps banks spread risk and improve liquidity. But these assets remain vulnerable to market fluctuations—if investor confidence drops, their value can plummet, leading to liquidity concerns and broader instability. ???????? ?????????? – Private equity-backed debt funds offer attractive returns, but concentrated exposure to highly leveraged portfolios increases financial stress during downturns. ?? ???????????????????? ?????? ??????????? Private equity fuels growth, but lenders must tread carefully. Robust risk assessment and financial oversight are crucial to maintaining stability in a highly leveraged market. At Wiserfunding, we offer advanced analytics to assess exposure, quantify credit risk, and strengthen decision-making. ?????????????? ???? ???? ?????? ?? ???????? ???????????????? ???? ???????? ??????????: https://2ly.link/23azP? ???????? ???????????????????? ???? ?????? ?????????? ?????? ???????? ?????????????????? ???? ???????????????????? ???????????????? ???????? ???????????? ?????? ?????????????? ????????????-?????????????? ??????????????????? ?????????? ???????? ???????????????? ???? ?????? ???????????????? ??????????! ?? #fintech #banking #investment #credit #equity

???????????????? ?????????????? ???? ?????????? ??????????????—?????????????? ?????? ?????????????????????? Latin America’s private credit market is growing rapidly, offering unique opportunities and significant potential. However, it also presents a major challenge: ???????????????? ????????????????????. We understand how difficult it can be to navigate a volatile environment. In today’s article, we explore the tools that provide deep insights, helping investors stay informed and anticipate financial shifts—even in uncharted territory. ???? ???????? ????????????????????: ?? ?????? ?????? ???????????????????? ?????? ?????????????? ???????????????? ???????? ?????????????? ?????????????? ???????????? ????????????????????? ?? ???????? ???????????????????? ?????? ???? ???????? ???? ???????????? ???????? ???? ????????-???????????? ??????????????? ?? ?????? ???????? ?????????????????????? ???????????? ???????????????????? ???????????? ?????????? ???? ?????????????? ??????????? At Wiserfunding, we know that risk assessment and portfolio management become simpler with smart tools, freeing up your time to drive more value. ?? ???????? ???? ???????? ???????? ???????????????? ???????? ?????????? ???????????? ??????????????? On ???????????????? ????????, our co-founder Gabriele Sabato will join a webinar on smart lending in emerging markets, hosted by our partners at NEITEC. ?? ???????????? ???????? ???????? ???? ???????????? ???? ?????? ?????????????? ????????????????????????:?https://lnkd.in/d-CxCEj9 #investing #latam #fintech #webinar #finance