Clobe AI

What Clobe AI does

Clobe AI (legal entity V-IC, Inc.) is a South Korean fintech SaaS company founded in December 2021, headquartered in Seoul's Gangnam district (Samsung-dong). The company operates an AI-powered financial management platform that aggregates real-time data from Korean banking systems, card issuers, and the National Tax Service (Hometax) to deliver unified cash flow visibility, automated bookkeeping, electronic tax invoice issuance, VAT reporting, and AI-driven daily cash reports distributed via KakaoTalk and email. The platform serves Korean small and medium-sized businesses (SMEs), startups, individual business owners (since 2025 expansion), and licensed tax agents through a dedicated partner product (Clobe Connect).

The company's product portfolio comprises four integrated offerings: the core Clobe AI platform (freemium), Clobe Connect for tax agent collaboration, Clobe Finance (formerly Revenue Market) for revenue-based financing and lending services, and a Free ERP module launched in June 2026 that extends electronic tax filing capabilities. Clobe AI operates a pure freemium go-to-market model — all core SaaS features are permanently free with unlimited data connections and user seats — and monetizes primarily through financial services rather than software licensing. Specifically, the company co-manages private loan funds with institutional partners including Meritz Securities (Co-GP relationship, 140 billion KRW Clobe 2nd Private Fund), generating management fees and interest spread from SME lending and revenue-based financing. Clobe Financial's cumulative transaction volume reached 100 billion KRW by December 2025.

By March 2026, Clobe AI had reached 10,000+ business customers, with named customers spanning F&B (Kraitz Burger), cloud infrastructure (Infra Lab), data/analytics (DataLize), media (Spotlight Global), and multi-entity holdings (Jinius). The company operates with approximately 12 employees, has raised a cumulative 16.8 billion KRW across a November 2022 seed round (3.4B KRW) and a February 2026 Pre-A round (13.4B KRW, ~$9M), and holds ISMS certification from KISA plus registration with the Financial Supervisory Service. A March 2026 MOU with Hana Financial Group formalizes cooperation on SME financial services and lending.

Name

Clobe AI

Legal name

주식회사 브이원씨 (V-IC, Inc.)

Website

https://clobe.ai

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

Clobe AI (legal entity V-IC, Inc.) is a South Korean fintech SaaS company providing a permanently free, AI-powered financial management platform integrating Korean banking, card, and tax systems for SMEs, startups, individual business owners, and tax agents, monetizing via co-managed SME loan funds rather than software licensing.

Ownership category

akta.pro rank

Product category

Financial Management SaaS for SMEs

NAICS

Credit Intermediation and Related Activities (522)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Private Credit — Structured Credit (CLOs, ABS, Private Securitizations) (FSAHAJAH)

akta.pro secondary industry

Leveraged Loans & CLOs (FSAAAHAF)

Keywords

• AI financial management
• Cloud accounting software
• Corporate tax automation
• Revenue-based financing
• Tax agent collaboration platform

Headquarters

HQ city

Chongnoong Dong

HQ country

South Korea

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Freemium Core Platform: The core Clobe AI platform — including all cash management, bookkeeping, tax invoice, and reporting features — is permanently free. There is no revenue currently generated from the core SaaS product. Data connections and user seats are unlimited with no charges.
2. Clobe Financial Services (클로브금융): Revenue-generating financial services including loan facilitation and revenue-based financing for small businesses and startups. Originally operated under the Revenue Market (레베뉴마켓) brand before brand unification in August 2024. The company co-manages private loan funds with institutional partners (메리츠증권) and earns management fees or interest spread from financing services.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels6 records

Core offering

Clobe AI provides an AI-powered financial management SaaS platform for Korean small and medium businesses and startups, aggregating real-time data from bank accounts, corporate cards, securities accounts, and HomeTax into a single dashboard with automated bookkeeping, tax invoice issuance, VAT reporting, and AI-generated daily cash reports delivered via KakaoTalk. A separate Clobe Finance service offers revenue-based financing originated through co-managed private loan funds with institutional partners such as Meritz Securities.

Product overview

Clobe AI operates as a unified corporate finance SaaS platform offering multiple integrated products: the core 클로브AI platform provides AI-powered fund management, accounting automation, and tax processing; 클로브금융 (formerly Revenue Market) handles revenue-based financing and lending services; and 클로브커넥트 enables tax agent collaboration. The June 2026 free ERP launch extended the platform's capabilities to include comprehensive electronic tax filing directly within the system. The platform serves both corporate entities and individual business owners with a freemium model.

Differentiator

Problem solved

Functional benefit

Products and services

• Clobe AI (클로브AI) AI-powered financial and accounting management platform that aggregates real-time data from bank accounts, corporate cards, securities accounts, and HomeTax into a single dashboard. Provides automated bookkeeping, tax invoice issuance, VAT reporting, AI-generated daily cash reports via KakaoTalk and email, P&L analysis on cash and accrual basis, and tax agent collaboration. Permanently free with unlimited data connections and user seats.
• Clobe Finance (클로브금융) Corporate financing service (formerly Revenue Market) that provides revenue-based lending, policy fund connections, and financial product recommendations for Korean SMEs and startups. Enables businesses to access loans and funding based on revenue history without equity dilution. Co-managed with institutional partners such as Meritz Securities through private loan funds.
• Clobe Connect (클로브커넥트) Tax agent collaboration platform that connects business owners with licensed Korean tax professionals (세무대리인). Enables seamless data sharing between clients and tax agents, allows tax agents to manage multiple client workspaces, and supports electronic tax filing directly through the platform without manual data exchange.
• Free ERP (무료 ERP) Free enterprise resource planning module integrated within the Clobe AI platform, providing comprehensive tax filing automation, financial reporting, electronic tax submission, payroll register, withholding tax filings, and VAT electronic filing capabilities. Includes free ERP access for both Clobe AI business clients and ClobeConnect tax agents.

Quantifiable outcome

• Daily account reconciliation time reduced from 30+ minutes to 10 seconds for multi-branch businesses
• +3 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability3 records

Feature9 records

Scale indicators7 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Xero: Xero is a global SMB cloud accounting SaaS targeting small businesses and their accountants/bookkeepers. Clobe AI targets an equivalent SMB-and-advisor use case in Korea, with the same accountant-collaboration dynamic that Xero pioneered; Xero is a useful international benchmark for the platform's accounting-led monetization thesis.
• HonestFund: HonestFund is a Korean online lending platform focused on revenue-based and revenue-linked financing for SMBs and startups. It overlaps most directly with Clobe Finance / Revenue Market's original product thesis and competes for the same Korean SMB loan origination flow.
• Wave: Wave is a free accounting and invoicing platform serving small businesses globally, built around a freemium model with paid payroll/Payments add-ons. Clobe AI mirrors Wave's playbook — permanently free core accounting/cash-management software aimed at underserved SMBs — but localizes it for the Korean market with deep HomeTax, banking, and KakaoTalk integrations.
• PeopleFund: PeopleFund is one of Korea's largest P2P/online lending platforms, originating personal and SMB loans and distributing them to retail and institutional investors. Clobe Finance (formerly Revenue Market) operates in the same Korean online/SMB lending space with a revenue-based-financing twist, making PeopleFund a direct peer for Clobe's lending side.
• Banksalad: Banksalad is a Korean personal financial data aggregation and management app. Like Clobe, it centralizes bank/card/account data into a single view and runs on similar Korean bank-integration plumbing, but its primary audience is individual consumers rather than SMBs, tax agents, and startups.

Broad incumbents

• Toss: Toss is Korea's leading fintech super-app with a consumer payments core and a growing SMB/business finance suite (Toss Business, loans, payments). It overlaps with Clobe on SMB-facing financial services and Korean consumer reach, but operates as a broad incumbent across many verticals rather than specializing in SMB accounting/tax automation.
• Douzone (더존비즈온): Douzone is Korea's largest ERP/accounting software vendor (Smart A, iCUBE), serving Korean SMBs and mid-market companies with tax filing, accounting, and HR modules. Clobe AI positions its Free ERP against Douzone's paid stack; Douzone is the entrenched incumbent whose customer base Clobe is targeting to disrupt.
• QuickBooks (Intuit): QuickBooks is the dominant SMB accounting platform globally, offering bookkeeping, invoicing, tax, and payroll to small businesses with an accountant-collaborator model. Clobe AI competes for the same Korean SMB wallet with a free, Korea-native, AI-driven alternative; QuickBooks is the incumbent benchmark for what scaled SMB accounting software looks like.
• Wehago (위하고): Wehago is NHN's cloud ERP/platform serving Korean SMBs with accounting, HR, tax, and groupware. It is a direct substitute for Clobe AI's ERP-style offering in the Korean SMB market, and represents the broader cloud-ERP competition Clobe must displace as it extends from cash management into full ERP workflows.

Others

• Meritz Securities (메리츠증권): Meritz Securities is the Korean brokerage co-managing the 3,000B KRW venture loan fund and both Clobe private funds with V-IC. It is included as an ecosystem/partner peer because Clobe's fund-management revenue, origination infrastructure, and institutional capital access are co-dependent on the Meritz relationship.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/clobe-ai

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds3 records

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Clobe AI