Cleriqa iconCleriqa

See cash issues before they hit. Decide before they cost you.

Frédéric Vérin·Founder & CEO·Last reviewed: May 2026

Cleriqa helps SMEs see where cash is tightening, understand what is driving it, test what-if decisions before they commit, and act earlier with clearer financial direction. Practical decisions, not backward-looking reporting.

REVENUE GROWTH

+18% YoY

▲ +3.2 pts vs prior yr

EBITDA GROWTH

+22% YoY

▲ +4 pts vs plan

CF / EBITDA MARGIN

11% / 14%

▼ −3 pts gap

CCC

62 d

▼ +8d vs target

CASH RUNWAY

5.2 mth

▼ −0.8 vs last week

For SMEs that need cash control · Better decisions · Lender-ready visibility

The SME problem

Cash problems are usually visible too late.

Many SMEs only understand the cash problem after it has already started hurting the business. Profit may look fine on paper, but cash tightens because of timing, working-capital drag, poor visibility, and decisions made without forward-looking context. Forecasting is often spreadsheet-heavy, slow to update, and too weak to support real operating decisions.

5 Questions Cleriqa helps you answer

  1. 1Where is cash tightening?
  2. 2What is driving it?
  3. 3What could happen next?
  4. 4What decision makes the most sense now?
  5. 5Are you ready to support a lender conversation?

What you actually get

VISIBILITY

Spot cash pressure early

See where cash is tightening before it constrains payroll, suppliers, growth, or working capital.

DRIVERS

Understand what is driving it

Identify what is moving cash: customer timing, margin pressure, classification issues, working-capital drag.

DECISIONS

Test what-if decisions

Model hiring, spend, pricing, growth, and timing choices before you commit capital.

ACTION

Improve cash flow

Get a prioritized action plan that shows what to do, how, and when. Updated as new info arrives.

FINANCING

Be lender-ready

Forward-looking reporting packs and a clearer financing story for banks and lenders.

CONTROL

Keep your existing setup

No system change. No workflow redesign. Cleriqa works with what you already use.

Three tiers. One workflow.

Clarity

Baseline visibility

For SMEs that need to see what's happening with their cash.

  • Critical KPIs and benchmarks
  • Cash-quality signals
  • Distress flags
  • Industry comparisons
MOST POPULAR

Pro

The "so what"

For SMEs that need to know what to do about it.

  • Everything in Clarity
  • 13-week cash forecast
  • Prioritized action plan
  • Decision guidance

Strategic

The "what if"

For SMEs facing growth, financing, or major decisions.

  • Everything in Pro
  • What-if scenario modeling
  • Lender-ready reporting packs
  • Financing readiness

Deployment

How it works

Step 01

Fast onboarding

Upload or connect your finance data. No team or workflow change needed.

Step 02

Cleaned and checked

Cleriqa maps the data, flags issues, and prepares it for reliable outputs.

Step 03

Outputs go live

Clarity, Pro, and Strategic outputs appear in your portal.

Step 04

Use it to act earlier

Improve cash flow, make better decisions, and strengthen financing discussions.

See cash pressure early. Test decisions before they hurt.

Book a live walkthrough to see how Cleriqa would work for your business.

Book a Cleriqa walkthrough