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We're built on purpose

A rapidly growing Australian finance market.

Wisr is Australia’s first ASX-listed ASX:WZR neo-lender and a fintech pioneer in the rapidly growing Australian consumer finance market.

Importantly, we’re purpose-built to improve the financial wellness of all Australians by helping Aussie’s access fairer credit, pay down their debt sooner, and better understand their financial standing and creditworthiness.

How we do this?

We fuse the best of emerging fintech, products, apps and services with the operational reliability of a traditional lender.

We want to connect with customers at all stages of their financial journey to truly improve their financial wellness and get them out of debt quicker.

Why are we doing this? For too long, traditional lending models have ignored the customers financial wellness and keep customers in debt for longer.

That's why we're reinventing what a consumer lending company can be.

Funding Journey

We’ve built a scalable business model that is purpose-led, fast growing, efficient and has massive opportunities ahead.

Importantly, we continue to evolve our funding structures to facilitate scaling the business safely, while driving significant revenue growth and increased margin as the business matures.

Our journey so far has been incredible.

Ceased peer to peer model
At the end of 2016, with new Management in place, Wisr took a strategic view of its business model and ceased being a peer-to-peer lender
Wholesale funding commenced
In 2017, Wisr originated a wholesale off-balance sheet loan funding facility with 255, as the first step in its transition to wholesale funding
LENDING MILESTONES
$50 Million
Q1FY19
Scaling the loan book
Between 2017 and 2019, the 255 facility was used to scale the loan book to $100m+
LENDING MILESTONES
$100 Million
Q4FY19
LENDING MILESTONES
$150 Million
Q2FY20
Wisr Warehouse Goes Live
In November 2019, a pivotal stage was reached with a NAB sponsored warehouse going live. Since launch, the Wisr Warehouse has grown rapidly, increasing to $250m in Q2FY21 and then $350m in Q3FY21
LENDING MILESTONES
$350 Million
Q2FY21
LENDING MILESTONES
$450 Million+
Q3FY21
LENDING MILESTONES
$611 Million+
Q4FY21
LOAN GROWTH
20 consecutive quartersof loan growth
Q4FY21
Inaugural Asset-Backed Securities Deal
In May 2021, Wisr's inaugural $225M ABS transaction, the Wisr Freedom Trust 2021-1, received a AAA Moody’s rating for the top tranche, delivering an immediate material reduction in Wisr’s costs of funds.
Equity Raise
In June 2021, Wisr successfully completed a $55M equity raise, led by Goldman Sachs as Sole Lead Manager and Underwriter, and included a Share Purchase Plan (SPP) to retail investors.
LOAN GROWTH
21 consecutive quartersof loan growth
Q1FY22
LENDING MILESTONES
$743 Million+
Q1FY22
REVENUE MILESTONES
Recordquarter of$12.1Mfor Q1FY22, a195%increase on Q1FY21 $4.1M and a25%increase on Q4FY21 $9.7M
Wisr Secured Vehicle Warehouse Goes Live
The $225M Wisr Secured Vehicle Warehouse went live on 11 October 2021, supported by NAB as senior funder and Revolution as the mezzanine funder.
LOAN GROWTH
22 consecutive quartersof loan growth
Q2FY22
LENDING MILESTONES
$879 Million+
Q2FY22
REVENUE MILESTONES
Recordquarter of$14.1Mfor Q2FY22, a140%increase on QFY21 $5.9M and a16%increase on Q1FY22 $12.1M
Path to profitability
Delivered maiden cash-flow positive quarter for Q2FY22
LOAN GROWTH
23 consecutive quarters of loan growth (Q3FY22)
LENDING MILESTONES
In Q3FY22, surpassed$1 Billionin loan originations written in4.5 yearssince inception
REVENUE MILESTONES
$15.5M, a106%increase on Q3FY21 $7.5M and a10%increase on Q2FY22 $14.1M
TECHNOLOGY MILESTONES
February 2022 launch of proprietary credit score Wisr Score, optimising profitable market share growth
Gender equality
40% female board representation achieved, Non-Executive Director, Kate Whitney appointed Q3FY22 and Non-Executive Director Cathryn Lyall appointed Q2FY22
LOAN BOOK MILESTONES
Wholly-owned loan book now $663M, up 129% on pcp
FUNDING MILESTONES
Australia’s largest institutional fund managers, IFM, now Wisr Warehouse mezzanine investor January 2022
FUNDING MILESTONE
An increase in committed funding into the Wisr Warehouse WH1 from $350M to $450M in April 2022
LOAN BOOK MILESTONES
As at 30 June 2022, the wholly-owned loan book isnow $780M, up 103% on pcp Q4FY21: $384M
LOAN GROWTH
24 consecutive quarters of loan growth were delivered in Q4FY22
REVENUE MILESTONES
FY22 Operating revenue up 118% to $59M FY21: $27M
FUNDING MILESTONES
June 2022 settlement for$250M second ABS,aweighted average margin of 2.23% over one-month BBSW
FUNDING MILESTONES
Wisr Secured Vehicle Warehouse WH2 increased to $300M in March 2022 and $400M in July 2022

Wisr on the ASX

Get the latest updates on Wisr

Investor Hub

ausbiz - Wisr (WZR) CEO Anthony Nantes explains why the company is focused on profitability over loan growth [Apr 2023]

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Video

Stockhead V-Con - The Wisr strategy, recent results and plans for the future [July 2022]

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Document

Finnies - Excellence in Consumer Lending Press Release [July 2022]

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Video

MoneyFest - How should we value financial firms? With Wisr CEO Anthony Nantes [July 2021]

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Podcast

Fintech Connect – Using data for credit decisioning in the wake of Open Banking with Joanne Edwards

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Podcast

Fresh Capital - Conscious Capitalism, Fintechs and How to be Wisr with your Debt [July 2021]

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Video

The Market Herald – Wisr (ASX:WZR) completes $50M institutional placement [June 2021]

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Video

FinTech Australia - Dr Lili Sussman on financial wellness - the smart strategy [May 2021]

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Video

ausbiz - This Non-Bank Lender Sees Significant Growth Potential In the Sector [Mar 2021]

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Video

FinTech Awards 2020 - How We Funded Our Journey [Mar 2021]

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Podcast

Bank to the Future with Chris Titley - Interview: Anthony Nantes, CEO of WISR (Ep 29) [Nov 2020]

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Video

Aus Mortgage Innovation Summit - Financial Wellbeing in Lending with Dr Lili Sussman [Feb 2021]

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Podcast

12 Hats Radio - Healthy, Wealthy and Wisr [Nov 2020]

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Video

Startup Daily on ausbiz - Outstanding FinTech Leader of the Year [Oct 2020]

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Video

ausbiz - Game Changing Quarter for Wisr [Oct 2020]

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Podcast

She's on the Money - Budget Like a BOSS [Aug 2020]

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Video

ausbiz - Building a Company That's Genuinely Different [Aug 2020]

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Video

ausbiz - Wisr delivers 24 consecutive quarters of growth

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Awards

People are taking notice

Winner
Australian Financial Review AFR Most Outstanding in Diversity & Inclusion 2022
Rank #21
Deloitte 2021 Technology Fast 50
#2
Australian Financial Review Best Places to Work 2022
Winner
Australian Banking and Innovation Awards Most Innovative Financial Institution
#8
WRK+ Best Places to Work 2021
GOLD AWARD
Rate City New Car Loan Lender
#6
Australian Financial Review Best Places to Work 2021
Winner
Finnies Outstanding Fintech Leader of the Year
Winner
Women in Finance Awards Fintech Leader of the Year
Rank #19
Deloitte 2020 Technology Fast 50 ranking
Rank #12
2021 AFR Fast 100