How It Works

Using technology to eliminate the middleman, Wisefund brings lender and borrower relationships back to basics: ordinary people ready to invest can connect and lend to trustworthy businesses that wish to borrow.  

Wisefund offers all the savers the reassurance that their savings will earn high, regular and steady returns. Wisefund is where businesses can obtain necessary funding without the hassle that can stifle growth.

In the end, as businesses succeed, value is added, not only interest rates. Value builds the future!

Through high returns, we offer the potential to double your initial investment within 6-8 years (or sooner), depending on the risks you take. Everything from that point is a bonus and a clear path towards financial freedom.

It’s never too late to build your financial freedom!

How your money is managed    

Deposits ->

Upon completed registration you deposit funds to the platform. Deposit details are available on your investment account

-> Investment account

Your funds are reflected on your investment account - a flexible, straightforward account where you are in control of your funds

Invest ->

As soon as you invest in loans and the loan is fully funded, the borrower enters into the agreement with you and the platform and receives the actual funds of the loan


-> Commission

There are no fees for investors when investing. Borrower covers the commission of a fully funded loan which is used to fund platform's operations and the protection fund

Interest payments ->

Borrower makes monthly interest repayments, which are immediately credited to your investment account

-> Principal repayment

Borrower repays the loan at the end of loan term. The principal is immediately credited to your investment account

Invest again or withdraw

All funds received on investment account, either interest or principal repayments are immediately available for withdrawal or further investments.

Borrower Acceptance Policy

For the purpose of understanding the process of how Wisefund accepts borrowers before listing them to fund their loan requests, please see insight of the process that has been integrated with Wisefund as its Borrower acceptance policy from the very beginning of the operations, with improvements over each new case.

There are certain procedures that borrowers go through before they get accepted for the listing.

1) Application letter received from the Borrower.

2) The Portal conducts prima facie check of the Borrower per the publicly available information.

3) NDA If Step 2 passed, the Portal requests that the potential Borrower


  • NDA,
  • Proposed Fee Schedule.

4) Provision of information from the Borrower:

  1. Corporate documentation for KYC check;
  2. Annual accounts for past 3 years and last 3-6-9 months (as applicable) operational balance sheet;
  3. CVs of UBOs, Shareholders and Managers (Directors), Key Employees for the Project;
  4. Project description, including business partners, subject matter, repayment schedule;
  5. source of interest and fee repayment - outlays
  6. Asset list;
  7. List of liabilities due in the next 12-18 months after the date of the NDA (depending on the term of the financing requested);
  8. Letter of good standing from a local bank in place of incorporation or majority of business operations;
  9. Letter of absence of tax debts from the relevant tax authority;
  10. Confirmation of absence of litigation/ collections against the potential Borrower or its UBOs, Management (Directors), Shareholders;
  11. Description of the local (location of the asset jurisdiction) commercial pledge/ mortgage procedure.

5) Due Diligence and AML KYC Based on the information provided, the Portal conducts Legal/  Financial/ Tax Due diligence/ AML/CTF. 

6) Tax opinion If necessary, the Portal requests the potential Borrower to provide a certified tax opinion or confirmation re repayment of Loan amount, interest and fees as per the Fee Schedule.

7) Draft Loan Agreement and Appendixes . If Steps 5 and 6 passed without major RED FLAGS and/ or all material issues cured, then the Portal prepares and issues draft : 

  • Loan agreement,
  • the Fee Schedule, and
  • Indemnification letter (re all and any fees/ taxes/ duties collectible by tax authorities in relation to repayment of the Loan amount, interest and applicable fees are payable by the Borrower).

8) Publication on the Portal . After the signing of the Loan Agreement, the project (with relevant guarantees) is posted on the Portal. Funding commences. 

9) Funding at 100% The Loan is issued only after it is 100% funded.

10) Borrower reports to the Portal on the performance of the project, the utilization of the lent amount based on the purpose of the loan either upon request, quarterly or monthly – all depends on the loan terms

11) Interest and Fees Loan principal amount, Interest and Fees are repaid per the signed  Fee schedule. 

For any questions regarding borrower acceptance policy, please reach out to Wisefund Support.

What do we guarantee

Wisefund believes the people who entrust their money deserve to feel safe about it. What Wisefund does and guarantees, we do a thorough work to evaluate each of the application very carefully checking borrowers and team behind the project both, through legal and financial aspects.

Loan offers presented on Wisefund provide high interest rate offers and contain certain amount of risk of project behind the loan being unsuccessful. Borrowers listed with loan offers on Wisefund usually provide less guarantees than in the case with bank loans thus being unsecured business loans, whereas usually there are certain guarantees behind each project. Commercial pledge on shares extending the value of the loan and personal guarantees by UBO or CEO is a part of additional guarantee Wisefund takes from the borrowers to add extra layer of security for our investing customers. To confirm those securities there are plenty of open registers available as most of businesses financed through Wisefund are Europe based. Although, our customers may request additional information on each loan through our support channel. Note: pledges and securities are usually established once the loan offer is fully funded and certainly before the issue of the loan to the borrower. It may be also common for Wisefund to acquire blocking shareholding rights in the borrowing business for the duration of the loan to get additional control of the loan use and exclude actions of the borrowers that may result in decreasing the value of assets pledged.

Protection Fund

Security fund built by Wisefund

Wisefund carefully selects businesses to lend on the platform. With thorough analysis and background checks, we’re confident in each project listed, but we do acknowledge risks remain even when minimal. Wisefund shares a certain fee of each loan from its own profit, and maintains a special protection fund designed to be a final and guaranteed protective step of your interests. It covers legal costs and any other expenses that may accrue as the loan defaults. 

Investors earn 


per year on average

* Please note that the type of security, for example, personal guarantee, mortgage, and its LTV, commercial pledge guarantees, etc, all are specified for each project individually in the project description as well as your loan agreement. Refer to your loan agreement and project description for more details.

*Wisefund is not covered by the Deposit Guarantee Scheme or the Investor Compensation Scheme in Estonia.

* WARNING: Your returns may be lower than expected. Past performance is not indicative of future results. If you lend to businesses on Wisefund you may lose some or all of the money you invest.