Same-day decisions, without hiring.

Klarefi is an AI intake agent for independent (non-bank) business lenders. It collects the application and the documents, asks the applicant for anything missing, reads each fact with a link to its source, runs your checks and drafts the offer. Your team makes the lending 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.

Factoring companies, lease and asset finance companies, and SME lenders where the credit or operations team spends part of the day reading applications and chasing documents. Each lender sets up its own questions, facts and checks. MGAs use Klarefi the same way for broker submissions.

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. Every decision stays with your team.

No. Klarefi prepares the file, the check results and the draft offer. Your credit team reviews the evidence, sets or approves the terms, and decides whether to lend.

No. Klarefi does the intake before credit review. The finished case file goes to the system you already use through the API or a webhook, and we agree on that connection 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. Hosted, documents and case files are stored in the EU, and 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.

That depends on the documents they 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 anything still open. A pilot measures the time from enquiry to offer on your own workflow.

Book a 15-minute call. For live applications we start with a pilot on one workflow and your own documents, and we agree beforehand what the pilot has to show. To try Klarefi yourself first, paste the link to the form you use today and Klarefi builds a test intake from it.