# Klarefi > Klarefi is an AI intake agent for non-bank business lenders (factoring companies, lease and asset finance companies, SME lenders) and MGAs. It collects answers and documents, extracts facts with their sources, checks them against the customer's requirements, asks the applicant for anything missing in a chat, and drafts the offer or quote. The team reviews a case file with cited facts, check results, and any unresolved issues, and makes the decision. ## Product - [AI intake agent for business lenders and MGAs](https://www.klarefi.com/): What Klarefi does for non-bank business lenders: it answers an enquiry with the lender's own application form, asks the applicant for anything missing, links every fact to its source, runs the lender's checks and drafts the offer for the credit team to send or decline. - [Broker submission intake software for MGAs](https://www.klarefi.com/mgas): Klarefi reads broker submissions, asks the broker for what is missing, runs your underwriting checks and drafts the quote for your underwriter. For MGAs. - [Client onboarding software for factoring companies](https://www.klarefi.com/factoring): Klarefi reads factoring applications, asks for missing documents, runs your checks and drafts a facility offer. Your credit team decides. - [Claims intake software in 2026: FNOL and triage platforms compared](https://www.klarefi.com/guides/claims-intake-software): What claims intake software does, the six kinds insurers, MGAs, and TPAs run, the platforms buyers compare for FNOL and claims triage, and where Klarefi fits. - [Insurance submission intake software in 2026: platforms compared](https://www.klarefi.com/guides/submission-intake-software): What submission intake software does, the four kinds MGAs and underwriting teams run, the platforms buyers compare for submission intake and triage, and where Klarefi fits. - [Business loan origination software in 2026: platforms for non-bank lenders compared](https://www.klarefi.com/guides/business-loan-origination-software): What business loan origination software does, the six kinds non-bank lenders run, the platforms buyers compare for SME lending, leasing and asset finance, and where Klarefi fits. - [Free tools for lenders and MGAs](https://www.klarefi.com/tools): Free tools that run in the browser. For lenders: a DSCR calculator, a debtor list check and a loan document checklist. For MGAs: ACORD 125, 126 and 140 completeness checks, a loss ratio calculator for loss runs, and a statement of values check for COPE gaps. - [DSCR calculator](https://www.klarefi.com/tools/dscr-calculator): Work out the debt service coverage ratio of a business loan, with annuity or linear repayment, and the largest loan that meets your target. - [Debtor list check](https://www.klarefi.com/tools/debtor-list-check): Age the open invoices in an Excel or CSV debtor list, see who owes the most, and find blanks, repeats and credit notes. - [Loan document checklist](https://www.klarefi.com/tools/business-loan-document-checklist): Pick the loan and the kind of company, and get the documents to ask for, with a message you can send the applicant. - [ACORD 125 check](https://www.klarefi.com/tools/acord-125): Commercial insurance application: what each part asks, plus a check that lists blank fields and unsigned signatures. - [ACORD 126 check](https://www.klarefi.com/tools/acord-126): Commercial general liability section: what each part asks, plus a check that lists blank fields and unsigned signatures. - [ACORD 140 check](https://www.klarefi.com/tools/acord-140): Property section: what each part asks, plus a check that lists blank fields and unsigned signatures. - [Loss ratio calculator](https://www.klarefi.com/tools/loss-ratio-calculator): Enter the figures from a loss run to get the loss ratio, claim frequency, and average claim per policy year. - [Statement of values check](https://www.klarefi.com/tools/statement-of-values-check): Find blank COPE fields, values that don't add up, and repeated addresses in an Excel or CSV schedule. - [Security](https://www.klarefi.com/security): Documents stored in the EU by default with AI inference through OpenRouter in the US and other countries, per-tenant isolation, no shared-model training on case content, and SSO and deployment options up to your own cloud. ## Guides - [Business loan application intake for lenders](https://www.klarefi.com/guides/business-loan-application-intake): What a complete loan application looks like, what stays with your credit team, and how to test an intake agent on one loan product. - [Broker submission intake for MGAs](https://www.klarefi.com/guides/broker-submission-intake): What a complete broker submission looks like, what stays with the underwriter, and how to test an intake agent on one line of business. - [How to review a cited case file](https://www.klarefi.com/guides/review-a-cited-case-file): What arrives in your queue, how to read fact outcomes and citations, what to do when something is still open, and how to close a case with an audit trail. - [Writing facts and verify rules that work](https://www.klarefi.com/guides/writing-facts-and-verify-rules): What makes a fact resolvable, how the source you pick decides what counts as proof, how verify checks reach your systems, and how to test before you publish. - [From sign-up to your first live intake](https://www.klarefi.com/guides/from-template-to-live-intake): Import your form or start blank, run a test intake, review the case it produces, and clear the checks that stand between you and live traffic. ## Blog - [Intake engineering: the job behind AI intake automation](https://www.klarefi.com/blog/intake-engineering): Most intake teams don't need more people. They need requirements an AI agent can run. What intake engineering is and how to start. - [AI intake agents: why one agent gets the whole file](https://www.klarefi.com/blog/ai-intake-agents): How Klarefi's AI intake agent owns the whole case file, what happens when documents disagree, and why a citation has to support the actual answer. - [Five things broker submissions miss, and when to ask](https://www.klarefi.com/blog/broker-submission-gaps): The items MGAs chase brokers for after a submission arrives, and how insurance submission intake automation asks for them during the submission. - [Write your intake checklist before you buy software](https://www.klarefi.com/blog/write-your-intake-checklist): Intake automation runs the rules you give it. If your checklist only lives in one person's head, write it down first. Here's how to do it in an afternoon. - [Where intake time actually goes](https://www.klarefi.com/blog/where-intake-time-goes): Review takes hours. Follow-up rounds take days. Why intake is slow for lenders and insurers, and three ways to cut the rounds. ## Company - [About](https://www.klarefi.com/about): Why we are rebuilding the application form, who builds Klarefi, and how the team works. ## Docs Use these docs when integrating Klarefi Hosted Intake, case reads, signed webhooks, and the TypeScript SDK. - [Klarefi documentation](https://www.klarefi.com/docs): Klarefi is an AI intake agent for business lenders and MGAs. These docs cover hosted intake, case reads, webhooks, and the SDKs. - [Authentication](https://www.klarefi.com/docs/api/authentication): API keys, environments, scopes, and identity checks - [Cases API](https://www.klarefi.com/docs/api/cases): Read case status, intake events, and decision-ready handoff packages - [Documents API](https://www.klarefi.com/docs/api/documents): Erase uploaded documents and derived data for privacy workflows - [Errors](https://www.klarefi.com/docs/api/errors): Error response format, status codes, rate limits, and retry guidance - [Idempotency](https://www.klarefi.com/docs/api/idempotency): Safely retry session creation, document processing, and webhook acknowledgement requests - [API overview](https://www.klarefi.com/docs/api/overview): How Klarefi's public API is organized for hosted intake and review-ready case files - [API quickstart](https://www.klarefi.com/docs/api/quickstart): Create a hosted intake session, redirect an applicant, and read the resulting case - [API reference](https://www.klarefi.com/docs/api/reference): Compact endpoint reference for Klarefi API v1 - [SDKs and CLI](https://www.klarefi.com/docs/api/sdks): Install the Klarefi TypeScript SDK and CLI - [Sessions API](https://www.klarefi.com/docs/api/sessions): Create hosted intake sessions and redirect applicants to signed Klarefi intake URLs - [Webhooks API](https://www.klarefi.com/docs/api/webhooks): Receive signed Klarefi events, send test deliveries, and acknowledge handoff delivery - [Agent intake](https://www.klarefi.com/docs/guides/agent-intake): Let ChatGPT, Claude, or another AI agent complete an insurance, factoring, or mortgage intake over the applicant API, the TypeScript SDK, or the MCP server - [Create an intake session](https://www.klarefi.com/docs/guides/create-intake-session): Create a hosted intake session and hand the applicant a signed Klarefi intake URL - [Email intake](https://www.klarefi.com/docs/guides/email-intake): Let people start an application by email, and have Klarefi answer with the form - [Embed](https://www.klarefi.com/docs/guides/embed): Render a Klarefi intake inside your own site with the embed script, inline or as a floating launcher - [Hosted intake](https://www.klarefi.com/docs/guides/hosted-intake): Build a secure hosted intake flow for forms, documents, follow-up, and review-ready case files - [Quickstart: hosted intake](https://www.klarefi.com/docs/guides/hosted-intake-quickstart): Create a hosted intake session, redirect the applicant, and read the resulting case file - [Offers and declines](https://www.klarefi.com/docs/guides/offers): End a case with an offer the applicant signs, or a decline, and read the outcome from the API - [Upload documents](https://www.klarefi.com/docs/guides/upload-documents): Attach PDFs, scans, photos, and supporting documents to a hosted intake session - [Webhook setup](https://www.klarefi.com/docs/guides/webhooks): Receive signed Klarefi events and verify webhook signatures - [Cases](https://www.klarefi.com/docs/reference/cases): Case objects, statuses, and review states for Klarefi intake workflows - [Events](https://www.klarefi.com/docs/reference/events): Klarefi event names and webhook delivery guidance for intake integrations - [Evidence](https://www.klarefi.com/docs/reference/evidence): Evidence objects, source citations, and review metadata for extracted facts - [Sessions](https://www.klarefi.com/docs/reference/sessions): Hosted intake session fields, lifecycle states, and integration guidance ## Machine-readable Sources - [Product summary, FAQ, docs, and blog posts as one text file](https://www.klarefi.com/llms-full.txt) - Per-page Markdown is available by replacing `/docs` with `/docs-source`, for example `https://www.klarefi.com/docs-source/api/quickstart`.