# Cognitive Credit

Startup profile on Capital Atlas: https://capitalatlas.ai/startups/cognitive-credit

- Industry: Software
- Headquarters: London, UK
- Website: www.cognitivecredit.com
- Total disclosed funding: $58M
- Latest round: Growth (Oct 22, 2026)
- Investors on record: 5

## About

Cognitive Credit, based in the UK, delivers sophisticated data and analytics solutions for credit market investors, targeting high-yield and investment-grade bonds as well as leveraged loans.Founded in 2017, Cognitive Credit Limited specializes in providing data and analytics for credit market investors. The company is headquartered in London, UK. Founders Richard Wheeldon and Robert Slater have a history in financial technology. On September 4, 2024, the company raised USD 10 mn in Series B funding led by ETFS Capital, with previous investor XTX Ventures also participating. The total amount raised by the firm now stands at USD 10 mn, with a current company valuation of USD 37.44 mn. Cognitive Credit has completed a total of 4 deals to date.Cognitive Credit specializes in providing advanced data and analytics tailored for credit market investors, focusing on high-yield (HY) and investment-grade (IG) bonds, as well as leveraged loans. Their core offerings include an innovative web application that facilitates issuer-specific and cross-market analysis, enabling financial professionals to access detailed credit models that are automatically updated shortly after earnings releases. This application supports over 2,600 issuers, delivering real-time financial profiles and customizable models that link directly to source data, thus enhancing productivity and decision-making for credit investment teams. The company's clientele comprises top global high-yield league table banks and leading asset managers and hedge funds, primarily located in North America and Europe, providing essential tools for more efficient portfolio management and opportunity identification.Cognitive Credit generates revenue through subscription-based access to its comprehensive data and analytics platform, catering specifically to institutional clients such as banks, asset managers, and hedge funds. Their business model is structured around B2B transactions, where clients pay for access to various tiers of their offerings, allowing for flexibility based on the depth of data and analytics required. Clients utilize the platform to receive timely earnings updates and generate actionable trade ideas, fostering a quick and informed investment process. Additionally, the company may engage in partnerships that enhance their service offerings, further solidifying their position within the credit market analytics space.In September 2024, Cognitive Credit Limited raised USD 10 mn in Series B funding, which will be used to expand into additional markets and enhance its product offering. The company aims to introduce new products designed for enhanced analytical capabilities, although specific release dates are not disclosed. They are targeting growth in both North American and European markets, leveraging the recent funding to solidify their presence and reach in these regions.

## Funding rounds

- Growth, Oct 22, 2026, $40M — ETFS Capital, Summit Partners
- Series B, Sep 4, 2024, $10M — ETFS Capital, XTX Ventures
- Series A, Nov 22, 2021, $8.1M — Pentech Ventures, Hearst Ventures, XTX Ventures

## Investors

- Pentech Ventures (https://capitalatlas.ai/funds/pentech-ventures) — Series A
- Hearst Ventures (https://capitalatlas.ai/funds/hearst-ventures) — Series A
- XTX Ventures (https://capitalatlas.ai/funds/xtx-ventures) — Series A, Series B
- ETFS Capital (https://capitalatlas.ai/funds/etfs-capital) — Series B, Growth
- Summit Partners (https://capitalatlas.ai/funds/summit-partners) — Growth