Same-day decisions, without hiring.

Klarefi is an AI intake agent for lending, mortgage, insurance and legal teams. It reads what customers send in, asks for anything missing and links each fact to its source. Your team makes the decision.

An AI intake agent is software that completes an application before a person reviews it. It collects the answers and documents, reads them, checks them against your requirements and asks the applicant for anything missing while they are still there. A form builder only collects fields, and document extraction only reads what was sent. An intake agent follows up until the file is complete, and your team makes the decision.

Business and bridging lenders, mortgage lenders, brokers and advisers, insurers, MGAs and law firms. Each team sets its own form, the facts it needs and its checks. Klarefi prepares the file for credit review, advice, underwriting, claims handling or a lawyer.

PDFs, scans, photos, emails and attachments. One application can hold a single document or dozens, and Klarefi reads all of them.

Klarefi asks the applicant while they are still in the application. Anything still open, and every check that is not met, stays visible in the file for your team to judge.

Every fact read from a document links to the sentence it came from, so the reviewer opens the document on that line. A calculated number shows the rule you wrote and the facts it used.

Yes. An applicant can hand the intake link to ChatGPT, Claude or another assistant. It fills in the form, answers follow-up questions and uploads documents through the same API the hosted page uses. Your own systems can prefill what you already know through the REST API, the TypeScript SDK or MCP. Assistants can only complete the intake, and every decision stays with your team.

No. Klarefi prepares the file and the check results. Your credit team, adviser, underwriter, claims handler or lawyer reviews the evidence and makes the decision. Klarefi does not approve loans, give mortgage or legal advice, accept risks or settle claims.

No. Klarefi does the intake before your team reviews the case. It hands the finished file to the system you already use through the API or a webhook. We agree on that connection and test it during the pilot.

Yes. You import your current form from a link or a file and then set the questions, facts and checks yourself. Connecting your own systems for checks can need some technical work.

No. You set up Klarefi by describing your intake: the form, the facts you need, and the checks to run. There is nothing to train, and you can start without historical files.

Klarefi runs as a hosted service or inside your own cloud. On the hosted service, documents and case files are stored in the EU. The AI that reads them runs through OpenRouter, at model providers in the US and other countries. Applicant documents and case content are not used to train shared models. The security page lists where data is processed and which subprocessors are involved.

Not always. It depends on the documents people send, the checks you require and how fast your team reviews. Klarefi asks for what is missing while the applicant is still there and shows your team what is still open. A pilot measures time to a complete file and time to a decision on your own workflow.

Create an account at https://www.klarefi.com/get-started and try the form you use today with synthetic or anonymised documents. To talk about a pilot, book a 15-minute call with founder Mike Cooper at https://cal.com/mike-cooper-xa7s88/15min or read https://www.klarefi.com/pilot. Before live cases start, we agree on one workflow and how to measure it.