Cleavr Products & Sectors

# Cleavr — Complete Product & Sector Reference

> Cleavr is a B2B SaaS platform that automates debt recovery and accounts receivable management.
> This document provides a comprehensive overview of every Cleavr product and industry solution.
> Last updated: 2026-03-17

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## Company Overview

**Cleavr** automates the entire accounts receivable lifecycle — from the first reminder to legal escalation — using AI. It replaces manual collection workflows with intelligent, multichannel automation that adapts to each debtor's behavior, profile, and jurisdiction.

- **Website**: https://www.cleavr.fr
- **Target**: B2B companies (SaaS, scale-ups, build-ups/M&A, finance, healthcare)
- **Deployment**: Cloud SaaS, connects to any ERP in 24 hours
- **Security**: ISO 27001:2022 certified, GDPR compliant, EU-hosted (AWS eu-west-3)
- **Integrations**: 100+ tools (Pennylane, Sellsy, Stripe, QuickBooks, NetSuite, HubSpot, Chargebee, Xero, Zoho, Odoo, etc.)

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## Product Categories

Cleavr's 11 products are organized into three categories:

### AGIR (Act)
Products that execute collection actions automatically.

### COMPRENDRE (Understand)
Products that analyze, enrich, and provide intelligence on your receivables.

### CONTRÔLER (Control)
Products that give you visibility, monitoring, and reconciliation.

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## Products

### 1. Multichannel Reminders
- **Category**: AGIR
- **Slug**: `relances-multicanales`
- **What it does**: Orchestrates payment reminders across email, SMS, voicemail, and WhatsApp. Each debtor gets the right channel based on their profile. If the first attempt gets no response, Cleavr automatically switches channels.
- **Key capabilities**:
  - All channels orchestrated from one place
  - Tone adapts to debtor context (late 5 days vs. 90 days)
  - Smart cadence — timing and frequency optimized by AI
  - Real-time results dashboard
- **Integrations**: Slack, Pennylane, Stripe, HubSpot, Zapier, Make

### 2. Collection Workflow
- **Category**: AGIR
- **Slug**: `parcours-recouvrement`
- **What it does**: End-to-end collection workflow from amicable reminder to legal escalation. Automatic phases adapt to each debtor's behavior. Escalation happens at the right time, not on an arbitrary schedule.
- **Key capabilities**:
  - Complete end-to-end workflow (amicable → formal notice → legal)
  - Escalation follows debtor behavior, not fixed dates
  - You keep control over what matters (thresholds, approvals)
  - Integrated bailiff network with complete file handoff
- **Integrations**: Slack, Pennylane, HubSpot, Zapier, Make, Sellsy, Axonaut, NetSuite, Stripe, Qonto

### 3. Debtor Portal
- **Category**: AGIR
- **Slug**: `portail-debiteur`
- **What it does**: A white-label portal where debtors can pay, dispute, or request a payment plan in one click. Turns collection from a friction point into a self-service experience.
- **Key capabilities**:
  - White-label — your brand, end to end
  - Debtors can pay, dispute, or request installments
  - Every interaction enriches the debtor timeline
- **Integrations**: Stripe, Chargebee, Qonto, Pennylane

### 4. International Collection
- **Category**: AGIR
- **Slug**: `collection-internationale`
- **What it does**: Localizes collection by language, timezone, and local regulation. A debtor in Madrid is not reminded like one in Munich. Cleavr adapts automatically.
- **Key capabilities**:
  - Native multilingual reminders
  - Time zones respected for send times
  - Local regulations enforced per country
- **Integrations**: Pennylane, Stripe, NetSuite, Chargebee, Xero

### 5. Cleavr Intelligence
- **Category**: COMPRENDRE
- **Slug**: `cleavr-intelligence`
- **What it does**: Your AI cash collection teammate. It understands every debtor situation, decides the best action, and learns from your feedback. You can ask it questions by text or voice, from any screen.
- **Key capabilities**:
  - Understands every debtor response (disputes, promises, excuses)
  - Acts like your best credit manager — prioritizes, decides, acts
  - Conversational interface — ask it like a colleague
  - Learns and improves from your team's feedback
  - Backbone of all Cleavr automation
- **Integrations**: Pennylane, HubSpot, Sellsy, Axonaut, NetSuite

### 6. Legal Monitoring
- **Category**: COMPRENDRE
- **Slug**: `veille-juridique`
- **What it does**: Real-time alerts on your debtors' legal health. Liquidation, receivership, deregistration — Cleavr blocks reminders automatically when a company is in legal difficulty. Zero legal risk.
- **Key capabilities**:
  - Official registries synced (30+ countries)
  - Instant blocking of reminders, zero manual intervention
  - Multi-source cross-referencing for accuracy
  - Automatic debt claim filing when applicable
- **Integrations**: Pennylane, Axonaut, Sellsy, NetSuite

### 7. Data Enrichment
- **Category**: COMPRENDRE
- **Slug**: `enrichissement-donnees`
- **What it does**: Every imported debtor becomes a complete file in seconds. Identity, directors, financial health, risks — Cleavr queries official registries from 30+ countries and builds the profile before collection even starts.
- **Key capabilities**:
  - One import → one complete file
  - Risks detected before you start collecting
  - Data refreshed automatically, never gets stale
  - Enrichment powers every downstream decision
- **Integrations**: Pennylane, Axonaut, Sellsy, NetSuite

### 8. AI Calls
- **Category**: COMPRENDRE
- **Slug**: `appels-ia`
- **What it does**: The most effective collection channel, without mobilizing your team. Cleavr calls your debtors with a natural voice, qualifies the situation in real time, and can negotiate a payment plan — all autonomously.
- **Key capabilities**:
  - Natural conversation, not a robot
  - Real-time qualification and decision-making
  - Every call becomes a structured case file
  - Knows when to hand off to a human
- **Integrations**: Slack, HubSpot, Pennylane, Sellsy

### 9. Client 360° View
- **Category**: CONTRÔLER
- **Slug**: `vue-360`
- **What it does**: One screen to know everything about a debtor. Every invoice, every exchange, every payment, every risk — a debtor's entire history, unified, live, and actionable.
- **Key capabilities**:
  - Timeline that tells the full story
  - Intelligence layer, not just history
  - Act without leaving the screen (send reminder, escalate, etc.)
  - Connected to your ERP, accountant, and team
- **Integrations**: Pennylane, Axonaut, Sellsy, NetSuite, HubSpot

### 10. Analytics & Monitoring
- **Category**: CONTRÔLER
- **Slug**: `analytics-pilotage`
- **What it does**: Your cash collection in real time. Live indicators that show exactly where you stand, what's working, and what needs attention. Not static reports exported once a month.
- **Key capabilities**:
  - Cash pulse at a glance (DSO, aging balance, forecasted cash-in)
  - Answers, not just charts — AI explains the trends
  - Role-based views (CEO, CFO, credit manager)
  - Anticipate problems, don't just react to them
- **Integrations**: Pennylane, Stripe, HubSpot, Qonto, Chargebee, Axonaut, Sellsy, NetSuite, Xero, Zoho, Odoo, Lago, Hyperline

### 11. Payment Reconciliation
- **Category**: CONTRÔLER
- **Slug**: `reconciliation-paiements`
- **What it does**: Automatic matching between invoices and incoming payments. A payment comes in → the file updates → the reminder stops → your ERP syncs. All without manual intervention.
- **Key capabilities**:
  - Catches every payment from any source (bank, Stripe, etc.)
  - File updates itself — no manual status changes
  - Systems speak the same language (ERP ↔ Cleavr ↔ bank)
  - You only handle exceptions
- **Integrations**: Stripe, Chargebee, Qonto, Pennylane

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## Industry Solutions

Cleavr adapts its platform to each industry's specific constraints, tone requirements, and regulatory environment.

### SaaS & Subscription
- **Slug**: `saas`
- **Core challenge**: 30% of SaaS churn is involuntary — failed payments, not departures. Default dunning (Stripe's 3 generic emails) isn't enough.
- **How Cleavr helps**:
  - Payment failure detected → automatic multichannel follow-up (email, SMS, in-app)
  - Segmented by plan value — VIP enterprise accounts treated differently than self-serve
  - Scores customers at risk of involuntary churn with proactive recovery
- **Key products**: Multichannel Reminders, Payment Reconciliation, Cleavr Intelligence, Analytics, Debtor Portal

### Scale-ups
- **Slug**: `scale-ups`
- **Core challenge**: Going from 50 to 500 clients, but no credit manager, no process. Average DSO for scale-ups is 72 days.
- **How Cleavr helps**:
  - Replaces a full collection team — from 0 to 1,000 invoices, same process
  - Multichannel follow-ups orchestrated by AI, no copy-pasted emails
  - Real-time dashboard: DSO, forecasted cash-in, aging balance accessible from phone
- **Key products**: Collection Workflow, International Collection, Analytics, Cleavr Intelligence, Data Enrichment

### Build-ups / M&A
- **Slug**: `build-ups`
- **Core challenge**: Each acquisition brings its own ERP, habits, and gaps. Build-ups lose 15-25% of cash flow post-acquisition.
- **How Cleavr helps**:
  - Unified process deployed on each entity in 24h, without rigidity
  - Real-time consolidated multi-entity view (group aging, DSO by entity, cross-entity top debtors)
  - New acquisition connected in 24h, not 3 months
- **Key products**: Client 360° View, Analytics, Collection Workflow, Payment Reconciliation, Multichannel Reminders

### Finance & Services
- **Slug**: `finance-services`
- **Core challenge**: 80% of service companies have DSO > 60 days. Following up a VIP client too aggressively risks losing the contract.
- **How Cleavr helps**:
  - Tone adapted per client — VIPs treated differently
  - Hundreds of invoices managed automatically with same care as a senior credit manager
  - Integrated legal monitoring, complete audit trail, native GDPR
- **Key products**: Multichannel Reminders, Client 360° View, Payment Reconciliation, Collection Workflow, Debtor Portal

### Healthcare
- **Slug**: `sante`
- **Core challenge**: Healthcare has a 3x higher unpaid rate than average. Thousands of small receivables with sensitive patients and strong regulatory constraints.
- **How Cleavr helps**:
  - Handles all receivables at scale, small and large, without manual intervention
  - Email and SMS adapted to medical tone — hours respected, frequency controlled
  - Patient receives a link, pays in one click, can dispute or request installments
- **Key products**: Debtor Portal, Multichannel Reminders, Collection Workflow, Payment Reconciliation, Legal Monitoring

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## How It Works (3 Steps)

1. **Connect** — Plug in your ERP. Your invoices, clients, and payments sync automatically. Live in days.
2. **Visualize** — Your complete receivables in real time. Who owes what, since when, at what stage.
3. **Collect** — Set your rules, Cleavr does the rest. It follows up, qualifies, escalates. Your cash flows in.

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## Key Results

- **+40%** cash collected in first 30 days
- **-37%** reduction in DSO
- **80%** of collection tasks automated
- **24h** to go live

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## Contact

- **Website**: https://www.cleavr.fr
- **Demo**: https://demo.cleavr.fr
- **Email**: platform@cleavr.fr
- **LinkedIn**: https://www.linkedin.com/company/cleavr-ai/
- **Documentation**: https://docs.cleavr.fr