Direct answers.

Cleriqa is the decision layer for SME finance. It turns messy finance data into earlier warnings, prioritized cash actions, what-if scenarios, and lender-ready reporting.

No. Cleriqa is not a chatbot and not a dashboard. It is an agent-tool workflow that connects data, standardizes it, validates it, asks for missing context where needed, and produces CFO-grade actions.

Two core user groups: SMEs that need better cash control and decision support, and accounting firms that want to reduce review and rework, protect margins, and add more value to client relationships.

Critical KPIs, cash-quality signals, distress flags, 13-week cash forecasting, prioritized action plans, what-if scenarios, and lender-ready reporting packs. The exact output depends on the tier.

Clarity is the baseline visibility layer with KPIs, cash-quality signals, and distress flags. Pro adds the so what: a 13-week cash forecast and prioritized action plan. Strategic adds the what if: scenario modeling and lender-ready reporting packs.

Those are systems of record. Cleriqa sits on top of them as an intelligence and decision layer. It does not replace the ledger. It turns finance data into decisions and actions.

It helps SMEs see cash issues before they hit, understand what is driving them, improve cash flow through a live action plan, test what-if decisions before they commit, and generate lender-ready reporting when financing matters.

No. Cleriqa is designed to work with existing systems and workflows. The goal is to improve visibility and decisions without forcing a finance transformation project first.

At minimum, core accounting data such as a general ledger or trial balance. Bank data improves cash validation, AR/AP or invoice data improves working-capital analysis. More context can be added later without blocking the first useful output.

Yes. Cleriqa is built for messy real-world finance data. It standardizes what is available, flags issues, asks for missing context where needed, and applies trust gates before higher-confidence outputs are published.

It helps firms cut review and rework, improve client capacity, protect margins, surface distressed clients earlier, and deliver more client value through a white-labelled advisory experience.

The firm does. In partner mode, the firm owns the relationship, remains customer of record, and invoices the SME. Cleriqa operates under the firm's framework and bills the firm based on the agreed model.

Cleriqa handles targeting, outreach, onboarding, and product interaction under the firm's umbrella, but only within the approved partner framework. The firm approves the targeting parameters and messaging.

Partners participate in subscription revenue through a revenue-share model. The firm keeps the relationship and shares in the upside created through the Cleriqa layer.

For firms, the more relevant question is not replacement but control and economics. Cleriqa takes over repetitive workflow, standardization, issue detection, and action generation so firms can reduce manual rework and improve client capacity.

No. Cleriqa uses a shadow ledger for controlled corrections. It does not overwrite the source books. Proposed corrections stay visible, traceable, reversible, and versioned.

Deterministic rules where accuracy matters, fail-closed guardrails when data is missing or inconsistent, read-only access, audit trail, and approvals where required.

It means Cleriqa reads data from connected systems or uploads without changing the source records. That reduces risk and keeps the source-of-record under your control.