People who apply should hear back the same day.
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.
What sits behind an application.
A business needs working capital to pay its staff, and a family needs a mortgage to move. A contractor needs cover to start a job, and someone hurt in an accident needs a lawyer. Each of these starts with a form and a pile of documents.
The applicant fills in a form, uploads documents and waits. Days later an email asks for one more document, and sometimes another after that.
On the other side, skilled people read files, retype numbers and chase attachments before they can make a decision.
Forms have barely changed in 30 years.
A form is still a page of fields. It takes what is sent in and says nothing about what is missing.
An intake agent knows what you need behind the form. It reads each document as it arrives, takes out the facts with their sources and runs your checks. When something is missing, it asks the applicant there and then.
The applicant hears back sooner, and your team spends its time on the decision.
What changes for each side.
The applicant
Is asked for the right documents at the start, hears about anything missing while they are still applying, and gets an answer sooner.
Your team
Opens a case file with every fact cited and every check already run. Their time goes to the decision.
Your business
Spends less time chasing documents and keeps an audit trail of each case. A pilot measures the result on your workflow.
How we work.
Every fact is cited
Each fact read from a document keeps the line it came from, so anyone can check it in one click.
A person decides
Klarefi prepares the file and check results. Your team reviews the evidence and makes the decision.
Your systems stay
Klarefi does the intake and hands the file to the system you already use.
We test on your workflow
Testing starts with synthetic or anonymised documents. A pilot runs against goals we agree before it starts, and you judge the result.
The faster a file is complete, the fewer hours go into it and the sooner the customer is helped.
Before Klarefi I built AI for coverage checks at an insurer, as a senior AI engineer and product owner. I saw how much time underwriters and claims handlers spent working out what was missing and going back to the customer. Most of the problems came from the intake itself.
The same problem shows up in a loan application, a mortgage file and a new legal matter. Someone sends documents, and a specialist has to work out what is missing. I think the form itself should do that work while the applicant is still there, and leave the decision to the people who are good at it.
See how it worksWhere we are.
- Today
- Klarefi is early. We are looking for the first lenders, mortgage teams, insurers, MGAs and law firms to pilot it on one workflow. It starts with a 15-minute call.
- Your data
- Hosted documents are stored in the EU. The AI that reads them runs at model providers in the US and other countries, listed on the security page. Applicant documents are not used to train shared models, and every step on a case lands in an audit trail nobody can edit.
- Our goal
- An applicant hears back the day they apply, and the people who review it spend their time on the decision.
See Klarefi on the form you use today.
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Free to start, no credit card.