Klear

What Klear does

Klear (Klear, Inc.) is a San Francisco-based capital intelligence and supply chain finance platform that targets fast-growing B2B suppliers selling to large corporate or government buyers, alongside the corporate buyers and investors in those supply chains. The platform unifies four modules—Order Management, Cash Management (including the Klear Account with up to 3% cashback and FDIC insurance through Fifth Third Bank), Embedded Working Capital (invoice and purchase order financing), and KlearFX (cross-border payments in 130+ currencies powered by Monex)—into a single SaaS workflow designed to give suppliers real-time visibility into order finances and unlock liquidity trapped in 30–90+ day payment terms. The underlying technology is the "Capital Intelligence Cloud," which combines purchase order and invoice management with cashflow forecasting and AI-powered suggestions for cash flow optimization, delivered over a cloud-based SaaS architecture with API connectivity.

Klear makes money through three mechanisms: annual SaaS subscriptions priced at $0 (Launch), $10,000 (Grow), and $36,000 (Pro); transaction-based financing fees on invoice and purchase order financing; and FX margins on international payments. Money transmission is provided by Stripe Payments, while trade credit risk on financing is underwritten in partnership with Allianz Trade, allowing Klear to position itself as offering de-risked working capital at scale. The platform is SOC 2 Type 2 certified and runs a hybrid go-to-market combining a consultative direct-sales motion with 15-minute qualification assessments and a freemium self-serve entry tier. Customers disclosed include Cakeboxx Technologies (shipping/logistics), Astra (aerospace and defense), Blackbox Bio (biotech), Psionic (robotics), and GenLab Venture Studios (venture capital), spanning industrial verticals such as aerospace, robotics, semiconductors, medical devices, renewable infrastructure, and EV and energy. No funding rounds, revenue figures, or headcount were disclosed in the source material.

Name

Klear

Legal name

Klear, Inc.

Website

https://klear.capital

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Klear is a San Francisco-based capital intelligence and supply chain finance platform providing order management, cash management, embedded working capital financing, and FX services to growing B2B suppliers, corporate buyers, and investors in industrial supply chains.

Ownership category

akta.pro rank

Product category

Working Capital Management Software

NAICS

Sales Financing (52222), Nondepository Credit Intermediation (5222), Software Publishers (513210)

SIC

Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC)

akta.pro secondary industries

B2B BNPL (Invoice Split/Net Terms for SMB Procurement) (FSAKACAJ), BNPL Funding & Securitization / Capital Markets Programs (FSAKACAG)

Keywords

• Working capital software
• Supply chain finance
• Invoice financing platform
• Embedded finance SaaS
• Cash flow management

Headquarters

HQ city

San Francisco

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Subscription Fees: Annual subscription tiers (Launch $0, Grow $10,000/year, Pro $36,000/year) for platform access, software, and support.
2. Invoice Financing Interest/Fees: Financing fees charged on invoices converted to immediate capital. The platform enables underwritten financing at cost, scale and speed.
3. Purchase Order Financing: Financing fees on upfront supplier and material costs funded for approved purchase orders.
4. KlearFX Cross-border Payments: Revenue from FX margins on international payments in 130+ currencies, powered by institutional FX infrastructure.
5. Klear Account Cashback: Cashback program (up to 3%) funded through banking partnerships; potential interchange revenue from commercial accounts.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Klear is a Capital Intelligence SaaS platform that unifies order management, cash management, working capital financing, and foreign exchange into a single solution for growing B2B companies. The platform enables companies selling to large corporate or government buyers to convert approved invoices and purchase orders into immediate working capital, eliminating the cash flow gaps created by 30-90+ day payment terms. It includes the Klear Account (a commercial cash management account with up to 3% cashback, FDIC-insured through Fifth Third Bank) and KlearFX (international payments in 130+ currencies).

Product overview

Klear is a capital intelligence and supply chain finance platform consisting of the Capital Intelligence Platform as the core product, supplemented by four key integrated modules: Order Management (for centralizing purchase orders and invoices), Cash Management (with the Klear Account offering up to 3% cashback), Embedded Working Capital (invoice financing and purchase order financing), and KlearFX (international payments and FX in 130+ currencies). The platform serves growing companies, corporate buyers, and investors with three pricing tiers: Launch (free), Grow ($10,000/year), and Pro ($36,000/year). Klear partners with Stripe Payments Company for money transmission and Fifth Third Bank, N.A. for account services.

Differentiator

Problem solved

Functional benefit

Brands

• KlearFX: International payments and FX management solution embedded within the Klear platform, enabling global payments in 130+ currencies with institutional FX infrastructure powered by Monex.

Products and services

• Klear Capital Intelligence Platform Unified SaaS platform combining order management, cash management, embedded working capital (invoice and purchase order financing), and KlearFX international payments in 130+ currencies. Enables growing B2B companies to control, forecast, and access working capital, unlocking liquidity trapped in 30-90+ day payment terms from corporate and government buyers. Offered via three subscription tiers: Launch (free with invoice financing), Grow ($10,000/year), and Pro ($36,000/year with PO financing, priority funding, and dedicated customer success management).

Quantifiable outcome

• 6x growth in first year on platform for customers like Cakeboxx Technologies
• +1 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature8 records

Partnerships

Three partnerships are on record, tiered core.

• Allianz TradecoreStrategic or Co-development PartnerKlear partners with Allianz Trade to unlock de-risked working capital at scale for growing suppliers. Allianz Trade provides trade credit insurance and risk management expertise that enables Klear to underwrite financing with reduced risk.
• Stripe PaymentscoreTechnology or IntegrationKLEAR partners with Stripe Payments Company for money transmission services. Stripe provides the payment infrastructure for the Klear platform's money movement capabilities.
• MonexcoreTechnology or IntegrationMonex provides institutional FX infrastructure powering KlearFX. This partnership enables Klear to offer competitive FX rates across 130+ currencies with institutional-grade pricing.

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Brex: Brex is a broader fintech incumbent combining corporate cards, business banking, expense management, and embedded lending — overlapping with Klear's commercial cash management, payments, and working capital offerings as part of a wider stack.
• Corpay (formerly FleetCor): Corpay is a large incumbent in B2B payments, commercial cards, and FX — overlapping with Klear's KlearFX cross-border payments, Klear Account, and embedded financing as part of a much broader portfolio.

Direct peers

• Routable: Routable automates B2B payments and supplier onboarding for marketplaces and platforms; its payment-rail approach overlaps with KlearFX and Klear's automated AR/AP for growing B2B companies.
• Fundbox: Fundbox provides working capital advances and invoice financing to SMBs via a platform play, comparable to Klear's Launch-tier invoice financing targeting growing B2B suppliers.
• Taulia (SAP): Taulia is a leading supply chain finance and dynamic discounting platform (now under SAP), offering invoice financing and working capital solutions to corporate buyers and their suppliers — closely aligned with Klear's working capital, order, and cash visibility modules.
• BlueVine: BlueVine is a digital banking and working capital platform offering invoice factoring, lines of credit, and business banking — broadly comparable to Klear's combination of Klear Account cash management and embedded invoice financing.
• Stripe Capital: Stripe Capital is Stripe's embedded working-capital product offering financing to merchants on the Stripe platform. Klear partners with Stripe Payments Company today, and Stripe Capital represents the most direct competitive analog in embedded SMB working capital.
• Trovata: Trovata provides cash flow forecasting and treasury management SaaS to corporates — an adjacent but directly comparable fintech on the cash visibility and AI-forecasting side of Klear's Capital Intelligence Cloud.
• Resolve: Resolve provides B2B revolving credit and invoice financing to SMBs selling to enterprise buyers, with an embedded fintech platform — a direct analog to Klear's invoice and PO financing for suppliers awaiting corporate payments.
• C2FO: C2FO operates the world's largest B2B working capital exchange, offering early-payment and dynamic-discounting programs to suppliers of large enterprises — directly comparable to Klear's invoice financing and supplier acceleration wedge.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/klear-inc

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 Klear