ClairFlo is an agentic accounting platform that processes 98.5% of your financial events autonomously — classified, reconciled, and audit-ready before you wake up. No more month-end chaos. No more spreadsheet archaeology.
You know the feeling. The reconciliation tab has been open since February. Receipts are scattered across three email accounts. Your bookkeeper quit and took the context with them. ClairFlo's Historical Cleanup Engine triages errors by type, scores your book health, and applies corrections in batch — so you can start clean regardless of the mess you inherited.
The average small business owner spends 6–10 hours per month on reconciliation. ClairFlo's four-tier matching engine (exact → fuzzy → semantic embeddings → AI reasoning) handles it continuously. By the time you open your laptop Monday morning, every transaction is matched, every variance is diagnosed, and the Rule of Nine has already found your transposition errors.
It's the #1 bookkeeping blunder — and the hardest to catch retroactively. ClairFlo's Personal Expense Classifier analyses merchant category codes, transaction timing, geographic patterns, and purchase history to flag probable personal expenses before they corrupt your books. Weekend grocery runs at 8pm don't belong in COGS.
Most founders find out about a cash crunch when the bank balance hits zero. ClairFlo's Treasury module combines Machine Learning and Reinforcement Learning for payment optimization to give you a 90-day rolling cash position — updated in real time, not at month-end. You'll see the wall coming with enough runway to steer.
Ghost vendor fraud and payment hijacking are the most common small-business financial crimes. ClairFlo's Segregation of Duties engine detects when the same operator touches conflicting parts of a process — and blocks the second action before any money moves. Six critical SoD conflicts enforced by default, configurable per your risk profile.
ClairFlo's Agentic Email Handler classifies every inbound O2P email, extracts invoice data via OCR, runs 3-way matching, drafts responses, and — for routine acknowledgements — sends them autonomously. All subject to an OPA approval gate. Your AP inbox processes itself.
ClairFlo connects to your bank accounts, payment processors, e-commerce platforms, and email. Every transaction — wherever it originates — is normalised into a Canonical Financial Event and processed through the same agentic pipeline.
Every bank transaction, payment, and receipt classified into the right journal entry — automatically. Five-layer memory means the system gets smarter every time you make a correction.
98.5% auto-rateYour books close every single night. Trial balance, accruals, reconciliation, anomaly detection — all automated. When tax time comes, there's nothing to scramble for.
0-day close cycleAsk your books anything. "What's my gross margin this quarter?" "Can I afford to hire in March?" Real answers from your actual data, not guesses. Generates liquidity waterfalls and scenario trees.
AI-powered90-day rolling cash forecast with Machine Learning and Reinforcement Learning based payment optimization explores thousands of scheduling strategies. Plaid-native bank connectivity. See the wall before you hit it.
90-day horizonConnect your AP inbox. ClairFlo reads invoices, runs 3-way matching, drafts vendor responses, and processes 65%+ of supplier email with zero human intervention. The inbox processes itself.
65%+ autonomousBurn rate tracking, runway forecasting, cap table register, SAFE/convertible note accounting, R&D capitalization checks. Built for pre-revenue founders who need investor-grade financials.
NewSegregation of duties enforcement. Ghost vendor detection. Benford's Law analysis. Behavioral anomaly scoring. AML pattern detection. Enterprise-grade fraud prevention for businesses of any size.
P0 protectionOrder ingestion, invoice generation, progressive dunning, payment plans, write-off approval. DSPy collection agent personalizes every chase communication. Revenue recognition (ASC 606) built in.
Full O2C cycleCanada full (GST/HST/QST, SR&ED, SBD, CRA filing). US foundations (sales tax, nexus, 1099, 199A). Standards corpus grounding — cites actual CRA/IRS text, not AI guesswork.
CRA + IRSFull client lifecycle in one platform: onboarding, engagement letters, e-signatures, time tracking, invoicing (flat-fee + hourly + retainer), client portal. Integrated with the accounting engine — not bolted on.
End-to-end practiceAI-generated daily brief: which clients need attention, which have health warnings, upcoming deadlines, staff utilization, and realization rates — across your entire book of business on one screen.
AI daily briefAll pending work items across every client — JE approvals, AR disputes, email triages, workpaper sign-offs — in one inbox. Bulk actions, assignment, escalation. Stop switching portals.
Cross-clientWIP ledger, utilization by staff member, realization rates by engagement, 90-day revenue forecast, AR aging. Know which clients are profitable before you find out in the P&L.
Real-time WIPCapacity planning with 8-week horizon. Workload heatmap with burnout early warning. Reassignment recommendations when someone is overloaded. The system that prevents your best people from leaving.
Burnout preventionEvery client's CRA and IRS deadlines in one view. Filing status tracking. Cross-entity risk detection — flags when a director's T1 deadline collides with their T2, or when an HST group member hasn't filed.
CRA + IRSNet asset classes, grant lifecycle, milestone-based revenue recognition (FASB ASU 2018-08 / ASNPO). Purpose-built for nonprofit clients — not a workaround using for-profit COA structures.
FASB ASU 2018-08WIP schedule, earned value metrics (CPI/SPI), over/under-billing, percentage-of-completion vs. completed-contract. Construction and professional services clients get real job costing.
ASC 606 / IFRS 15Trial balance to Excel in one click. Upload corrections back. Import journal entries from templates. Round-trip workpaper sync with annotations. Meet your clients where they live — we're not replacing Excel.
BidirectionalClairFlo is not another dashboard that repackages your QuickBooks data and calls it AI. It is an event-driven, agent-orchestrated financial operating system that works the way a world-class CFO would — continuously, invisibly, and with a full audit trail of every decision.
We've built the reconciliation engine. The AI classification pipeline. The three-way invoice matching. The compliance layer for Canada and the United States. The practice management suite. The treasury optimizer. The ghost vendor detection. The agentic email handler that processes your AP inbox while you sleep. We've built 45 features across the full financial operations stack.
What we have not done is run this at production scale with real businesses, real edge cases, and real accountants who will tell us — bluntly — what doesn't work. That is exactly what we need you for.
We are looking for 100 beta partners who will connect real data, stress-test real workflows, and give us the honest feedback that polished demos cannot surface. In exchange, you get early and free access to a platform that, when it's ready, will charge enterprise pricing for enterprise capabilities.
This is a beta. Some features work flawlessly. Some need refinement. A few have rough edges we haven't smoothed yet. We will not pretend otherwise. What we can promise: every piece of feedback goes directly to the engineers who built the feature, every critical bug gets fixed in 48 hours, and you will have a direct line to the founders throughout the program. This is not a corporate beta with a ticketing system. It is a collaboration.
The companies that will get the most from this beta are founders or accountants who are actively frustrated with their current tools — not neutral observers who will run a surface-level evaluation. We want people with a problem who want it solved.
We review every application personally. You'll hear back within 48 hours.
No credit card. No sales calls.
Just a real person reviewing your application within 48h.
Most "AI bookkeeping" tools do one thing: they suggest a category for each transaction and ask you to confirm it. This is pattern-matching dressed up as intelligence. It still requires you to spend hours reviewing, clicking, and correcting. The AI is a faster version of the old software — not a genuinely different approach to financial operations.
ClairFlo is built on a fundamentally different architecture. Every transaction becomes a Canonical Financial Event that flows through an event-driven pipeline of specialized AI agents: a classifier that uses five-layer memory, a reconciliation engine that learns your matching patterns, a compliance layer that cites real standards, and a daily close engine that ensures your books are audit-ready every morning — not just at month-end.
Bank reconciliation is one of the most time-consuming tasks in small business accounting. ClairFlo's four-tier matching engine starts with exact rule-based matching, escalates to fuzzy matching (RapidFuzz), then semantic embedding similarity, and finally DSPy AI reasoning for genuinely ambiguous transactions. The adaptive weight learner improves matching accuracy as you make corrections. When a variance remains unresolved, the variance diagnosis layer applies the Rule of Nine, sign error detection, and period error checks before flagging anything for human review. Most reconciling items are explained automatically.
Enterprise accounting systems spend millions on internal controls infrastructure. ClairFlo makes the same protection available to any business. Our Segregation of Duties engine enforces six critical conflict rules at the API level — blocking the same operator from creating vendors and releasing payments, or preparing and approving payroll. Ghost vendor authentication checks new suppliers against employee records, domain age, and business registries before activation. Benford's Law analysis runs monthly on your transaction population to detect statistical patterns consistent with financial manipulation. These aren't premium add-ons. They're built into the core platform.
Manual spreadsheet forecasting is backward-looking by nature — you're projecting from historical data that's already weeks old. ClairFlo uses ensemble Machine Learning and Reinforcement Learning models for forecasting and payment optimization to give you a 90-day rolling cash position that updates in real time as transactions arrive. The AR-to-Treasury bridge automatically factors outstanding receivables into the forecast. You'll know about a cash shortfall 60 days before it happens — with enough time to actually do something about it.
QuickBooks Online and Xero are general ledger systems that record what happened to your money. ClairFlo is an intelligent pipeline that processes what's happening to your money — autonomously, in real time, with AI agents that understand context. You can connect both QuickBooks and Xero to ClairFlo and import historical data while ClairFlo handles forward-going processing. Many of our beta partners use ClairFlo alongside their existing accounting software during transition, then migrate fully once they've validated the accuracy on their specific transaction types.
Join the accountants and founders who are done doing manually what software should do automatically.
Free during beta · No credit card · 48h response guaranteed