Working capital management capability for scaling companies

In fast growing, high-stakes industrial supply chains, efficient working capital and cash management are table stakes. At the same time, figuring out how to solve the financial challenges of growth with a high-demand product has never been harder. KLEAR is here to help.
Why Klear?

We Know You—We Are You

Until now, the options for working capital solutions for growth companies selling to much bigger customers have been limited, ill-fitting, complex and tough to navigate, regardless of your financial expertise.

With purpose-built technology, process, partnerships and tools, we simplify it for you. We know you because we are you, just in the financial space—entrepreneurs with deep industry knowledge who’ve built a proven, game-changing solution to our customers' pressing real-world challenges.

We make things easy—easy to choose, easy to implement and easy to see results and win, all in one platform that works with whatever you're using now—so you can solve financial challenges and keep your focus on growing your business.
End-to-End Financial Solutions

Working Capital Confidence Made Easy

From managing cash flow to unlocking capital solutions, KLEAR provides everything your business needs to grow your working capital  and nothing it doesn't, all in one place.

Focus On Growing Your Sales, Team, And Processes

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Spend less time stressing about working capital obstacles and focus on scaling your sales, team and processes to meet the demands of your largest and most important customers. Enjoy the excitement and lose the fear of big orders. No longer worry about what comes next after the successful prototype, pilot or “first article”.

Master Your Order-To-Cash Process

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Easily map and manage your entire order to cash process and let KLEAR help you optimize it. Manage cash efficiently with better visibility and less work with integrated financial tools. Stop “leaks” that erode margins. Build a track record of success and use it to unlock more access to capital.

Preserve Equity, Grow Value

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Preserve equity and grow the value you’ve built: KLEAR provides a path to solve working capital challenges without selling equity or adding debt – a third arrow for your financial solutions quiver. If you've just raised capital or are about to, investors love how KLEAR frees up their investment dollars to drive more growth with less dilution
Ask us how KLEAR can favorably change your use of proceeds and valuation>>

Access Capital Based On Your Future

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Unlike banks and traditional lenders, KLEAR underwrites your future, not your past. Access working capital not limited by your balance sheet. Our unique process and data set unlocks different ways to manage risk and inject capital that work better for growing businesses. Result: you can sell more, faster. Understand the KLEAR difference in how we address your working capital needs>>

New Maneuverability And Flexibility

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Gain room to maneuver and the know-how and flexibility to structure and negotiate better deals. Increase your customers’ confidence in your financial competence and ability to deliver. KLEAR solutions give you more options and clarity on how to design payment terms, timing, and currency strategy where applicable, to benefit you and your customers and suppliers.

How does it work?

First, a little shorthand to speed things up: We interrupt our jargon-free zone to call out two simple, but very important concepts. Effective working capital management stems from optimizing these two key processes in your business:
Working Capital Pillar 1:

"Order To Cash (OTC) Process"

The set of business processes that occur between receiving an order and getting paid for that order.
Working capital pillar 2:

"Cash Conversion Cycle (CCC)"

The process of managing money through the OTC process.
How does it work?

Map your Order To Cash process and simplify cash management

Mapping out the course of how you do business from order to cash is the first step in learning how to go faster and be more efficient and nimble—and resilient when necessary. From there, many things become possible.

KLEAR allows you to quickly and easily digitize your order-to-cash process using data you have at your fingertips. Then KLEAR's tools, team and intelligence go to work to help you speed up your Cash Conversion Cycle so you can grow faster. Payment tools, invoicing, tracking, capital solutions, reporting and business intelligence all use the same data in the same workspace for easy collaboration across your team.

Automatically access liquidity and respond at a click to make payments, accept offers for funding, invoice customers and move money. Simplify cash management tasks for your team and help everyone see exactly what’s going on in real time.
How it works

Easy to Start. Designed to Grow.

Strength, agility and speed start with a process your team can learn in about an hour.
Quick, easy onboarding
We know you’re busy. Your account on KLEAR takes minutes to set up and we’ll get the right members of your team up to speed so they can start using the platform immediately–no programming or time-consuming customization required. Just securely start adding your basic data (like customer and supplier lists, purchase orders and invoices) and let KLEAR start working for you. We'll meet you where you're at and help you get up and running as fast as possible.
Pay and Invoice with a Click
KLEAR has a suite of embedded payment tools designed to save you time and effort and increase your access to funding. Your order to cash cycle already includes who pays or gets paid how much and when, so generating and sending invoices and payments can be done with a few clicks  when the time comes. This creates a digital record of your ability to manage cash over time. It really couldn't be easier.
No Applications for Funding
Your track record of success on KLEAR unlocks increasing access to capital, including more sophisticated tools (like directly funding the purchase of inputs for orders). Every action you take on KLEAR is proof of your ability to execute as a business. This actually reduces risk in a way that is meaningful in our underwriting. Simply put, just using the platform correctly (and we’re pretty sure you’ll be a pro in no time) is what unlocks your access to capital.
Purpose-built Capital Solutions
KLEAR’s capital solutions are structured to match the desire for delivery at speed and scale that you and your best customers share. Our process is simple yet flexible for you while satisfying the sophisticated needs of the institutional investors we work with. KLEAR can provide liquidity into transactions in many scenarios where traditional lenders can’t, and do it with pricing that makes it sensible to do over and over again. 
High Yield Commercial Depository Accounts
Earn high yields from the first dollar on deposits to your KLEAR financial account.* Easily transfer funds in or out and make payments directly from your account to vendors and suppliers. Using your KLEAR financial account can save your team time and money and more quickly build the track record that unlocks capital solutions when you need liquidity.†
Foreign Exchange and Currency Tools
KLEAR brings growing companies access to a suite of foreign exchange and currency tools like corporates have through their expertly staffed currency desks. Whether it’s a problem you know you have or an opportunity you may be missing, currency and foreign exchange are one of the areas where smaller companies often leave money on the table. Access institutional pricing and solutions to manage risk and complexity and maximize your global opportunities.

KLEAR is designed to grow with you.

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