Clerkie

Clerkie's machine-learning engine analyzes a borrower's financial situation and the lender's portfolio parameters, then recommends payment arrangements designed to be sustainable for the consumer while maximizing recovery for the lender. The system can negotiate settlements directly, claiming reductions of up to 70% on outstanding debt, and adjusts terms if a borrower falls behind. Human oversight is layered on top of the AI to handle exceptions.

Clerkie operates as a technology-enabled servicing and collections partner, not a direct lender. It provides the software and operational layer that connects lenders with borrowers, managing payment processing, settlement negotiations, and compliance. The firm itself does not originate loans or hold consumer debt on its own balance sheet.

Clerkie's platform is designed to serve lenders of varying sizes who hold consumer loan portfolios, including unsecured personal loans and installment programs. The firm states that its RESTful API and quick-deployment model make it accessible to small lenders with limited technical resources, while its full-service automation and compliance monitoring can support larger institutions.

The marketplace connects participating lenders with consumer leads seeking debt solutions. Clerkie positions this as a way for lenders to increase their reach and engage with high-quality leads inside the same platform they use for collections and portfolio management, creating a two-sided ecosystem that combines recovery with origination.

Clerkie encrypts all borrower data and applies role-based access controls with an audit log tracking every access event and system change. The company states it performs real-time security monitoring and works with regulators across the country to adapt to changing requirements. Specific certifications are not publicly disclosed.