Every loan file complete before credit review.
Klarefi is the AI intake agent for business lenders. It reads what the applicant or broker sends, asks for what is missing before they leave and hands your credit team a cited file.
Which commercial lending software completes the application?
Klarefi does. It is an AI intake agent that works in front of your loan origination system. It answers each enquiry with your own application form, reads the accounts, bank statements and register extracts, asks the applicant for anything missing and checks the facts against Companies House, KVK, HM Land Registry and your own rules. Your credit team gets one file with every fact cited and makes the decision. To service loans or manage a portfolio you still need a loan management system, and Klarefi hands the finished file to it.
Built for each kind of lending.
Each lender sets its own form, facts and checks. These are the files Klarefi completes most often.
Business loans and working capital
A haulage firm asks for €120,000 for two trucks. The September bank statement is missing, so Klarefi asks for it while the applicant is still on your form.
Business loan document checklistWhat Klarefi reads and cites
- Annual and management accounts
- Bank statements
- Company register extract
- ID of the directors
Bridging and development finance
Klarefi pulls the title register from HM Land Registry and compares the owner with the applicant, so a mismatch is cited before your underwriter opens the file.
Bridging loan calculatorWhat Klarefi reads and cites
- Valuation report
- Title register
- Exit plan
- Build costs and schedule
Asset finance and leasing
The asset and price on the supplier quote are compared with the amount asked, and any difference is shown with both sources.
Asset finance software comparedWhat Klarefi reads and cites
- Supplier quote
- Asset details
- Accounts
- ID of the directors
Invoice finance and factoring
Klarefi reads the debtor list and works out the largest debtor's share of turnover before credit review.
Klarefi for factoringWhat Klarefi reads and cites
- Debtor list
- Aged receivables
- Sample invoices
- Credit insurance policy
Private credit
Each covenant figure in the information memorandum keeps the page it came from, so your investment committee can check it in one click.
Private lending software comparedWhat Klarefi reads and cites
- Information memorandum
- Financial statements
- Security schedule
- Ownership structure
How Klarefi completes a loan file.
Your own application form
Import the form you use today. Klarefi answers each enquiry with it and fills in what the email already said.
Every fact cited
Klarefi reads each document as it arrives and links every fact to the line it came from. A fact it cannot find is marked missing, never guessed.
Your checks run
Checks you write in plain sentences run against the facts, Companies House, KVK, HM Land Registry, sanctions lists and your own systems.
Your credit team decides
Klarefi drafts the offer from your own letter. Your team reads the file, edits the offer and sends it or declines.
Your credit team decides.
Security and data processingEvery 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 and the draft offer. Your team sends it or declines.
A full audit trail
Every question, check and decision is logged where nobody can edit it.
Your cloud or ours
Use the hosted service with data stored in the EU, or run Klarefi inside your own cloud.