Cleriqa turns messy finance data into CFO-grade actions: early warnings, prioritized cash actions, what-if decisions, and lender-ready packs. It scales primarily through accounting firms that already own the SME relationship.
The problem
SMEs often fail because cash and working-capital deterioration becomes visible too late. They receive backward-looking reports, confuse profit with cash, and lack a rolling forecast and early-warning system. At the same time, accounting firms are stuck in a low-margin compliance treadmill, with too much manual review and no repeatable way to deliver higher-value advisory at scale.
Why now
The underlying technology stack is now mature enough to build a reliable agent-tool system on top of existing ledgers, bank data, and supporting documents. At the same time, SMEs need actionable advisory rather than static reporting, while accounting firms want an outcome, not another tool that forces retraining.
What Cleriqa does
Cleriqa is an agent-tool loop that connects to finance data, maps and standardizes it, validates and reconciles it, asks for missing context, and outputs CFO-grade actions. Core outputs: early warnings, prioritized action plans, what-if scenarios, lender-ready reporting.
Distribution
Partnerships are the low-capital scale engine. Acquisitions are the owned-distribution engine. Both feed the same mapping library, rule packs, and shared services model.
Firms offer Cleriqa under their umbrella. Cleriqa handles segmentation, outreach, onboarding, and product delivery under the firm's framework. Low capital, scalable, network-effect distribution.
Selected accounting firms acquired to secure controlled workflows, prove margin expansion, and build a lighthouse base for the broader network. Debt-funded, predictable cash flows.
Why Cleriqa can win
22 years of finance leadership. Built and run real CFO functions. Understand the workflow at a level most software teams don't.
9 transactions executed (8 buy-side, 1 sell-side). Repeatable acquisition and integration playbook for accounting firm rollover.
Built specifically for messy finance data. Onboarding treated as a product problem. Mapping library, deterministic rulebook, shadow ledger.
The moat
Captive firm distribution, workflow control, and a growing proprietary dataset of messy-to-clean mappings. Every approved correction improves the rule base, making onboarding faster, exceptions lower, and retention stronger over time.
The Cleriqa flywheel
More firms
More data
messy → clean mappings
Better mapping
rule library compounds
Stronger retention
Fewer exceptions
Faster onboarding
300+ clients per firm
Trust architecture
Read-only access
Least-privilege permissions. Source ledger never overwritten.
Deterministic before ML
Rules execute deterministically. ML suggests; humans approve.
Audit logs + approvals
Fail-closed guardrails. Approvals required for sensitive actions.
Shadow ledger
Corrections reversible, traceable, and controlled.
Lenders, fintechs, B2B finance tools — long-term gateway infrastructure.
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