Clerkie

Clerkie is a debt management platform operated by Henry Labs Inc. that serves two audiences: consumers looking to pay down debt and build credit, and lenders looking to optimize loan portfolios. On the consumer side, Clerkie uses conversational AI to track debts, build budgets, and negotiate settlements, with the company stating it can negotiate debt reductions of up to 70 percent. On the lender side, its B2B product, Fiber by Clerkie, applies machine learning to repayment strategies, identifies at-risk borrowers proactively, and offers a marketplace for loan leads. The platform provides a RESTful API described as implementable "in one afternoon," supports payments in multiple currencies, and emphasizes real-time reporting, compliance monitoring, and audit logging for lender customers. Clerkie has raised roughly $41 million in funding across three rounds. Consumers can use a free plan for basic budgeting and debt tracking, while premium features like advanced bill negotiation may involve a success fee or subscription. The site leans on marketing claims such as "3x Revenue Performance" without much supporting detail, so the specific mechanics of its debt negotiation and lending algorithms aren't fully documented publicly.