What does Klarefi do for a factoring company?

Klarefi is an AI intake agent for new client applications. It collects the application and the documents, asks the business owner for anything missing, reads each fact with a link to its source, runs your checks and drafts the facility offer. Your credit team decides on the client.

Which onboarding documents can Klarefi read?

Company register extracts, bank statements, annual accounts, debtor lists, sample invoices and ID documents, as PDFs, scans or photos. You set which documents each client type requires.

Does Klarefi approve a client or set the limit?

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.

Can Klarefi check debtor concentration?

Yes, as one of your own checks. You write the rule in a plain sentence, such as the largest debtor staying under a share of open invoices, and Klarefi shows the facts it used. A check that is not met stays visible for your credit team.

Can every new client be onboarded the same day?

That depends on the documents they send, the checks you require and how fast your credit team reviews. Klarefi asks for what is missing while the business owner is still applying and shows your team anything still open. A pilot measures the time from application to offer on your own workflow.

With a pilot on one client type and your own documents. We agree beforehand what the pilot has to show.

Onboard factoring clients the day they apply.

Q: Does Klarefi replace our factoring platform?

No. Klarefi does the onboarding before credit review. The finished case file reaches your factoring platform through the API or a webhook, with the sources attached.

Klarefi is the AI intake agent for factoring companies. It reads what a new client sends in, asks for what is missing and drafts the facility offer. Your credit team decides.

Build my intake

What a new client sends inWhat your team signs

One new client, from the first email to the signed facility.

An example. The names and numbers are made up, and the buttons work.

09:14
Applications start in your inbox.
An enquiry comes in by email or through the form on your site. Klarefi replies with your own application form, with what the email already said filled in.
Pieter Visser09:14
Factoring for our open invoices
Hi, we would like to factor around €400,000 in open invoices. Our debtor list is attached.
Debtor list.pdf
Northfield Factoring09:17
Hi Pieter, thanks for your message. This form is the fastest way to an answer, and what you told us is already filled in.
Open your application
Sent by Klarefi for Northfield Factoring
09:26
Klarefi asks for what is missing.
Klarefi reads each document as it comes in. When a bank statement or the debtor list is missing or unclear it asks the business owner in the same conversation, so your team does not have to go back to them days later.
I have read your debtor list and the register extract. The bank statements cover five months and we need six. Could you upload April?
Here it is.bank-statement-april.pdf
Thanks Pieter, that is everything we need.
09:31
Every fact links to its source.
Each fact read from a document carries the sentence it came from. Click it and the document opens on that line. When Klarefi cannot find a fact it marks it as missing and never fills in a guess.
How to review a cited case file
Debtor list.pdf · p.1
Total open invoices
412,900
Albers Bouw
148,200
Rijnmond Logistics
96,450
Other debtors
168,250
Open invoices1 source
€412,900
Reasoning
Total of the debtor list dated 30 September 2026.
Evidence
Total open invoices 412,900
Debtor list.pdf · p.1
09:32
Checks run before credit review.
You write the checks once, in plain sentences. Klarefi runs them against the facts and against your own systems. A check that is not met stays visible in the file until a person has looked at it.
How to write facts and checks
Verify2 of 3 met
- Trading for 2 years or more
  Registered 14 March 2019, company register
  Met
- Account holder matches the company register
  Visser Transport B.V.
  Met
- Largest debtor under 30% of open invoices
  36%, from the debtor list
  Not met
09:40
Klarefi drafts the facility offer.
Klarefi fills in your own offer letter with the facts and the numbers your rules calculate. Your credit team reads it, changes what they want, and sends it or declines. That decision always stays with a person.
To
pieter@vissertransport.example
Subject
Your offer from Northfield Factoring
Hi Pieter, based on open invoices of €412,900 we can offer Visser Transport a facility of €350,000 with an advance of 85% on each invoice. The offer stands until 24 October 2026.
Factoring agreement.pdf
Monthly
See where new clients stop.
Analytics shows how many applications became offers, how long each step took, and where the rest stopped.
Where the time goes, intake to offer
Your team holds a case for 3 h 40 min of the 6 h 02 min.
- The form12 min
- Completing the file2 h 10 min
- Your team3 h 40 min
Example figures, not customer results.

Where Klarefi fits in your systems.

A factoring company runs on a handful of systems, and most of them start once the client is on the ledger. Before that, someone reads the application, the chamber of commerce extract, the bank statements and the sample invoices, and chases what is missing. Klarefi is the software for that step.

Client onboardingKlarefi
Receives new client applications, reads the documents, and gets the file ready before credit review. This is where Klarefi works.
Factoring platform
Holds the client and debtor ledgers, buys invoices, and tracks advances, fees, and reserves.
Credit and debtor risk
Sets client and debtor limits and watches concentration, often with credit bureau data and credit insurance.
Verification and collections
Confirms invoices with debtors and follows up on payments that are due.
Payments
Pays out advances and matches incoming debtor payments to invoices.
Reporting
Reports on the portfolio to funders, auditors, and regulators.

What to look for in client onboarding software.

Every fact cites its source

Your credit team should see the page and quote behind each value, so a turnover figure or an account holder can be checked in one click.

It follows up with the applicant

It asks the business owner for missing and unclear items during the application, and the answers go into the same case file.

You set the requirements

You choose the facts each client type needs and the checks they must pass.

It hands off to your systems

The finished case file reaches your factoring platform through an API or webhook, with the sources attached.

Stored in the EU

Documents and case files stay in EU storage by default. When your funders ask for more, Klarefi can run in your own cloud.

Your credit team decides

The software prepares the case and shows what is still open. The decision on the client stays with your team.

From sign-up to your first live intake

Your team decides, and Klarefi logs every step.

Security and data processing

Every document fact is cited

Each fact read from a document keeps its source, from the page to the offer.

A person decides

Klarefi prepares the file. Your team sends the offer or declines.

A full audit trail

Each question, check and decision lands in an audit trail that nobody can edit.

Your cloud or ours

Use the hosted service, or run Klarefi inside your own cloud.

Onboarding questions.

Try Klarefi on the form you use today.

Build my intake

Free to start, no credit card.

Onboard factoring clients the day they apply.

One new client, from the first email to the signed facility.

Applications start in your inbox.

Klarefi asks for what is missing.

Every fact links to its source.

Checks run before credit review.

Klarefi drafts the facility offer.

See where new clients stop.