# Cleavr — Complete Reference for AI Systems > Last updated: 2026-03-17 > Short version: https://www.cleavr.fr/llms.txt --- ## Overview Cleavr is a B2B SaaS platform that automates the entire accounts receivable lifecycle — from the first payment reminder to legal escalation — using artificial intelligence. Built for finance teams, CFOs, and operations leaders, Cleavr replaces manual collection workflows with intelligent, multichannel automation that adapts to each debtor's behavior, profile, and jurisdiction. Cleavr serves mid-market and enterprise B2B companies across Europe, with a primary focus on French-speaking markets. The platform is available in French (primary) and English. ### Core Value Proposition Cleavr enables companies to collect more cash, faster, with less manual effort. By combining AI-driven automation with deep data enrichment and legal intelligence, Cleavr transforms accounts receivable from a cost center into a strategic advantage. The platform eliminates the need for spreadsheets, manual follow-ups, and fragmented tools by providing a single, unified system that handles every aspect of the receivables process. ### How It Works 1. **Connect** — Cleavr integrates with your existing accounting software, ERP, or billing platform via native connectors or API. Outstanding invoices are automatically imported and synchronized in real time. 2. **Configure** — Define your collection strategy: set reminder cadences, escalation thresholds, communication templates, and debtor segmentation rules. Cleavr provides industry-specific templates to accelerate setup. 3. **Automate** — Cleavr's AI engine takes over the day-to-day collection process. It sends reminders at the optimal time and channel, monitors debtor responses, adjusts strategy based on behavior, and escalates when necessary. 4. **Monitor** — Track performance through real-time dashboards showing cash collected, DSO trends, collection rates by segment, and team productivity metrics. The AI surfaces anomalies and opportunities proactively. 5. **Optimize** — Cleavr continuously learns from outcomes, refining its models for send timing, tone selection, escalation triggers, and payment prediction. Performance improves automatically over time. ### Key Results - **+40% cash collected** in the first 30 days after deployment - **-37% reduction in DSO** (Days Sales Outstanding) - **80% of collection tasks automated**, freeing finance teams for higher-value work - **24 hours to go live** — rapid deployment with minimal IT involvement --- ## Products (11) Cleavr offers 11 products organized into three categories: **AGIR** (Act), **COMPRENDRE** (Understand), and **CONTROLER** (Control). Together, they cover the full spectrum of accounts receivable management. ### Category 1: AGIR (Act) Products in this category handle the execution layer — sending reminders, managing workflows, enabling debtor self-service, and handling international collections. #### 1. Multichannel Reminders (relances-multicanales) Orchestrate payment reminders across email, SMS, voicemail, and WhatsApp, tailored to each debtor's profile and preferences. Cleavr's smart cadence engine determines the optimal channel, timing, and tone for every communication. Reminders adapt in real time based on debtor behavior — opens, clicks, payments, disputes — ensuring maximum effectiveness without over-solicitation. Key capabilities: - Multi-channel orchestration: email, SMS, voicemail drop, WhatsApp - Smart cadence and send-time optimization per debtor profile - Tone adaptation based on debtor segment, aging, and behavior - Real-time performance tracking and A/B testing - Customizable templates with dynamic merge fields - Automatic escalation when soft reminders fail #### 2. Collection Workflow (parcours-recouvrement) End-to-end collection workflow from amicable reminders to legal escalation, with behavior-based routing at every stage. The workflow engine automatically moves debtors through stages based on their actions (or inaction), escalating only when necessary and always preserving the commercial relationship. Key capabilities: - Amicable-to-legal pipeline with configurable stages - Behavior-based escalation triggers (non-response, partial payment, dispute) - Integrated bailiff and legal partner network for seamless handoff - Automated document generation (formal notices, legal filings) - Full audit trail for compliance and reporting - Customizable per client segment, invoice amount, or jurisdiction #### 3. Debtor Portal (portail-debiteur) A white-label, self-service portal where debtors can view outstanding invoices, make payments, raise disputes, or request installment plans — all without involving the creditor's finance team. The portal reduces friction, increases conversion, and provides a professional debtor experience. Key capabilities: - White-label design matching the creditor's brand - One-click payment via multiple methods (card, bank transfer, direct debit) - Dispute submission with document upload - Installment plan request and negotiation - Real-time invoice and payment status - Mobile-responsive design - Multi-language support #### 4. International Collection (collection-internationale) Localized debt collection across borders, adapted to each country's language, timezone, regulations, and business customs. Cleavr handles the complexity of multi-country collections so finance teams don't have to. Key capabilities: - Localized communications by language and cultural norms - Timezone-aware send scheduling - Country-specific regulatory compliance (payment terms, legal notices) - Multi-currency support - Local legal partner network across jurisdictions - Centralized dashboard for global portfolio visibility --- ### Category 2: COMPRENDRE (Understand) Products in this category provide the intelligence layer — AI-powered analysis, legal monitoring, data enrichment, and autonomous voice capabilities. #### 5. Cleavr Intelligence (cleavr-intelligence) An AI teammate embedded in the platform that understands your receivables portfolio, makes decisions, and learns from outcomes. Cleavr Intelligence operates through a conversational interface, allowing finance teams to ask questions, get recommendations, and trigger actions in natural language. Key capabilities: - Conversational AI interface for receivables management - Autonomous decision-making on reminder strategy, escalation timing, and prioritization - Continuous learning from payment outcomes and team feedback - Debtor risk scoring and payment probability prediction - Portfolio-level insights and anomaly detection - Natural language queries ("Which debtors are likely to pay this week?") #### 6. Legal Monitoring (veille-juridique) Real-time monitoring of debtor legal health across 30+ country registries. Cleavr automatically detects insolvency proceedings, liquidations, mergers, and other legal events that affect collectability — and blocks reminders when legally required. Key capabilities: - Real-time alerts on debtor legal status changes - Coverage of 30+ country business registries - Automatic reminder blocking for debtors in legal proceedings - Insolvency, liquidation, and restructuring detection - Company officer and ownership change tracking - Integration with collection workflows for automatic strategy adjustment #### 7. Data Enrichment (enrichissement-donnees) Instantly complete debtor profiles by pulling data from official registries, public databases, and verified sources across 30+ countries. Enrichment runs automatically when new debtors enter the system and can be triggered on demand. Key capabilities: - Automatic profile completion from official registries - Coverage across 30+ countries - Company identification (SIREN/SIRET, VAT numbers, LEI) - Financial health indicators (revenue, employee count, credit signals) - Contact information verification and enrichment - Batch enrichment for portfolio-wide updates #### 8. AI Calls (appels-ia) Natural-sounding AI voice calls that qualify debtor situations and negotiate payment arrangements autonomously. AI Calls handle the high-volume, routine conversations that consume finance team time, escalating to humans only for complex cases. Key capabilities: - Natural voice synthesis with human-like conversational flow - Autonomous qualification: verify contact, confirm invoice, identify blockers - Payment negotiation: propose amounts, dates, installment plans - Multi-language support for international portfolios - Call recording and transcription for audit trail - Intelligent handoff to human agents when needed - Integration with collection workflows for seamless follow-up --- ### Category 3: CONTROLER (Control) Products in this category provide visibility, analytics, and reconciliation — the control layer for managing receivables at scale. #### 9. Client 360° View (vue-360) A unified view of every debtor's complete history: invoices, communications, payments, disputes, risk scores, and legal status. The 360° View gives finance teams instant context for any debtor interaction and powers better decision-making. Key capabilities: - Unified timeline of all debtor interactions (reminders, calls, portal visits) - Invoice and payment history with aging analysis - Risk scoring and payment probability - Legal status and enrichment data - Communication log across all channels - Actionable intelligence and next-best-action recommendations #### 10. Analytics & Monitoring (analytics-pilotage) Live dashboards for cash collection KPIs, with role-based views for CFOs, collection managers, and individual analysts. Analytics surfaces AI-powered insights and alerts, enabling proactive portfolio management. Key capabilities: - Real-time cash collection KPIs (DSO, collection rate, aging buckets) - Role-based dashboards (executive, manager, analyst) - AI-powered insights and anomaly alerts - Cohort analysis and trend tracking - Exportable reports for board and audit presentations - Customizable widgets and filters #### 11. Payment Reconciliation (reconciliation-paiements) Automatic matching of incoming payments to outstanding invoices, with ERP synchronization. Reconciliation eliminates the manual work of identifying and allocating payments, reducing errors and closing the cash application loop. Key capabilities: - Automatic invoice-payment matching using AI - Support for partial payments, overpayments, and bulk payments - ERP synchronization (bi-directional) - Exception handling with human-in-the-loop review - Bank statement import and parsing - Real-time reconciliation status dashboard --- ## Industry Solutions (5) Cleavr serves five primary industry verticals, each with tailored configurations, messaging, and workflows. ### 1. SaaS & Subscription Companies **Challenge:** Involuntary churn from failed payments silently erodes MRR. Cleavr recovers failed subscription payments through smart retry logic and multichannel dunning sequences. By distinguishing between hard declines (expired cards) and soft declines (insufficient funds), Cleavr optimizes retry timing and channel selection to maximize recovery rates. Key benefits: - Recover involuntary churn before it becomes permanent - Smart payment retry with optimized timing - Dunning sequences that preserve the subscriber relationship - Integration with subscription billing platforms (Stripe, Chargebee, Hyperline, Lago) ### 2. Scale-ups **Challenge:** Growing companies need collection capabilities but can't justify a dedicated team. Cleavr replaces the need for a collection team, handling everything from 0 to 1,000+ invoices with full automation. Scale-ups get enterprise-grade collection capabilities without the headcount. Key benefits: - Full collection automation without hiring - Scales from first invoice to thousands - Professional debtor communications from day one - Quick deployment (24h to go live) ### 3. Build-ups / M&A **Challenge:** Multiple acquired entities means multiple collection processes, tools, and policies. Cleavr unifies collection across all entities within 24 hours. Standardize policies while respecting entity-level customizations, and get consolidated visibility across the entire group. Key benefits: - Unified collection process across all entities in 24h - Consolidated portfolio visibility and reporting - Entity-level customization within a global framework - Rapid onboarding for new acquisitions ### 4. Finance & Services **Challenge:** Financial services require precise, professional communications with full audit trails. Cleavr ensures the right tone at the right time, with complete traceability for regulatory compliance. Every communication is logged, every decision is auditable, and every escalation follows predefined rules. Key benefits: - Tone-appropriate communications for financial sector - Full audit trail for regulatory compliance - Configurable escalation rules per client segment - Professional dispute resolution workflows ### 5. Healthcare **Challenge:** Healthcare collections must balance effectiveness with empathy and strict compliance requirements. Cleavr delivers human, compliant collections at scale, with workflows designed for healthcare-specific regulations and patient sensitivity. Communications are empathetic, payment options are flexible, and compliance is built in. Key benefits: - Empathetic, regulation-compliant communications - Flexible payment plans for patient accounts - Healthcare-specific workflow templates - GDPR and health data compliance --- ## Integrations (20+) Cleavr integrates with 20+ tools across accounting, ERP, billing, CRM, and automation platforms. ### Accounting & ERP - **Pennylane** — French cloud accounting - **NetSuite** — Enterprise ERP - **SAP** — Enterprise ERP - **Sellsy** — French CRM & invoicing - **Evoliz** — French invoicing - **Axonaut** — French CRM & ERP - **Odoo** — Open-source ERP - **Xero** — Cloud accounting - **Zoho** — Business suite ### Billing & Payments - **Stripe** — Payment processing & subscription billing - **Chargebee** — Subscription management - **Hyperline** — Usage-based billing - **Lago** — Open-source billing - **Qonto** — Business banking ### CRM - **HubSpot** — CRM & marketing automation ### Automation & Productivity - **Zapier** — No-code automation - **Make** (formerly Integromat) — Advanced automation - **n8n** — Open-source workflow automation - **Slack** — Team communication & alerts - **Google Sheets** — Spreadsheet import/export ### Integration Methods - Native connectors for supported platforms - REST API for custom integrations - Webhook support for real-time events - CSV/Excel import for batch operations --- ## Security & Compliance Cleavr takes data security and regulatory compliance seriously. The platform is designed to meet the highest standards for B2B financial data. ### Certifications & Standards - **ISO 27001:2022 certified** — Information security management system - **GDPR compliant** — Full compliance with EU data protection regulation - **SOC 2 aligned** — Security controls aligned with SOC 2 principles ### Infrastructure - **EU-hosted** — All data stored in AWS eu-west-3 (Paris, France) - **Per-client data isolation** — Strict tenant separation at the database level - **Encryption at rest and in transit** — AES-256 and TLS 1.3 - **Regular penetration testing** — Third-party security audits ### Data Handling - Data processing agreements (DPA) available - Data retention policies configurable per client - Right to erasure and data portability supported - Audit logs for all data access and modifications --- ## Frequently Asked Questions (32 items) ### General (6) 1. **What is Cleavr?** — Cleavr is an AI-powered platform that automates B2B debt recovery and cash collection, from the first reminder to legal escalation. 2. **Who is Cleavr for?** — CFOs, finance teams, and operations leaders at mid-market and enterprise B2B companies. 3. **How does Cleavr work?** — Cleavr connects to your accounting/ERP system, imports outstanding invoices, and automatically manages the collection process using AI-driven workflows. 4. **How long does deployment take?** — 24 hours from contract signature to first automated reminder. 5. **What languages does Cleavr support?** — The platform is available in French and English. Collection communications support multiple languages for international portfolios. 6. **Is there a free trial?** — Contact sales for a personalized demo and trial options. ### Pricing (5) 1. **How is Cleavr priced?** — Pricing is based on invoice volume and selected product modules. Contact sales for a quote. 2. **Is there a setup fee?** — Deployment and onboarding are included in the subscription. 3. **Can I start with one module?** — Yes, modules can be adopted individually and expanded over time. 4. **What's the contract length?** — Annual subscriptions with monthly billing available. 5. **Is there a money-back guarantee?** — Contact sales for terms and conditions. ### Security (6) 1. **Is Cleavr ISO 27001 certified?** — Yes, Cleavr holds ISO 27001:2022 certification. 2. **Where is data hosted?** — All data is hosted in AWS eu-west-3 (Paris, France), within the EU. 3. **Is Cleavr GDPR compliant?** — Yes, fully compliant with data processing agreements available. 4. **How is data isolated between clients?** — Per-client data isolation at the database level with strict access controls. 5. **Does Cleavr perform penetration testing?** — Yes, regular third-party penetration tests are conducted. 6. **Can I export my data?** — Yes, full data portability is supported as required by GDPR. ### Integrations (4) 1. **Which tools does Cleavr integrate with?** — 20+ integrations including Pennylane, Stripe, Chargebee, NetSuite, SAP, HubSpot, and more. 2. **Does Cleavr have an API?** — Yes, a REST API is available for custom integrations. 3. **Can I use Cleavr with my existing ERP?** — Yes, Cleavr integrates with major ERPs (NetSuite, SAP, Odoo, Xero) and offers API access for others. 4. **How does the Stripe integration work?** — Cleavr syncs with Stripe to track payment status, automate dunning for failed charges, and reconcile payments. ### Recovery (7) 1. **What collection channels does Cleavr support?** — Email, SMS, voicemail drop, WhatsApp, AI voice calls, and the debtor portal. 2. **Can Cleavr handle legal escalation?** — Yes, with an integrated network of bailiffs and legal partners. 3. **How does the AI decide when to escalate?** — Based on debtor behavior (non-response, disputes, partial payments), invoice aging, and risk scoring. 4. **Can debtors pay through Cleavr?** — Yes, via the white-label debtor portal with multiple payment methods. 5. **Does Cleavr support installment plans?** — Yes, debtors can request installment plans through the portal, subject to creditor-defined rules. 6. **How does international collection work?** — Cleavr localizes communications by language, timezone, and regulation, with multi-currency support. 7. **What happens if a debtor disputes an invoice?** — Disputes are captured in the portal, routed to the appropriate team, and tracked through resolution. ### Deployment (4) 1. **How long does integration take?** — Most integrations are configured in under 24 hours. 2. **Do I need IT resources?** — Minimal IT involvement is needed. Most setup is handled by Cleavr's onboarding team. 3. **Can I customize workflows?** — Yes, collection workflows, templates, and escalation rules are fully customizable. 4. **Is training provided?** — Yes, onboarding includes training for all users and ongoing support. --- ## Testimonials ### Finance Director > "We saw a 40% increase in cash collected within the first 30 days of using Cleavr. The automation freed our team to focus on strategic accounts." ### Operations Manager > "Our DSO dropped by 37% after implementing Cleavr. The AI-driven workflows handle the routine follow-ups that used to consume our entire week." ### CFO > "80% of our collection tasks are now automated. Cleavr didn't just save us time — it fundamentally changed how we manage cash flow." ### Healthcare Finance Lead > "Cleavr proved that effective collections and patient respect aren't mutually exclusive. Compliance is built in, and the results speak for themselves." --- ## Use Cases & Scenarios ### Scenario: SaaS Company with Failed Subscription Payments A SaaS company with 5,000 subscribers experiences a 3% involuntary churn rate from failed credit card charges. Cleavr integrates with Stripe, detects failed payments in real time, and initiates a smart dunning sequence: first a friendly email with a one-click card update link, then an SMS reminder 48 hours later, followed by an AI voice call if no action is taken. Result: 60% of failed payments recovered within 7 days, reducing involuntary churn by more than half. ### Scenario: Scale-up Managing Rapid Invoice Growth A fast-growing B2B company goes from 50 to 800 outstanding invoices in 6 months. Without Cleavr, this would require hiring 2-3 collection specialists. Instead, the company deploys Cleavr in 24 hours, imports all invoices from Pennylane, and lets the AI manage the entire process. The finance director spends 30 minutes per week reviewing the dashboard instead of 20+ hours chasing payments. ### Scenario: Build-up Consolidating 4 Acquired Entities A private equity-backed group acquires its fourth company, each with different ERP systems (SAP, NetSuite, Odoo, Xero) and collection practices. Cleavr unifies collection across all four entities within 24 hours, providing a consolidated view of the entire group's receivables while maintaining entity-level customizations for debtor communications, escalation rules, and reporting. ### Scenario: Healthcare Provider Balancing Compliance and Effectiveness A multi-site healthcare organization needs to collect outstanding patient co-pays and insurance shortfalls while maintaining strict regulatory compliance and patient dignity. Cleavr deploys empathetic communication templates, flexible installment plans via the debtor portal, and automatic blocking of reminders when patients are in hardship programs. Collection rates improve 35% while patient satisfaction scores remain stable. --- ## Technical Details ### Platform Architecture - Modern web application built with Next.js and React - Real-time event processing for instant debtor behavior response - AI/ML pipeline for debtor scoring, tone optimization, and payment prediction - Multi-tenant architecture with per-client data isolation - Microservices-based backend for independent scaling of each product module - Event-driven architecture ensuring reliable message delivery across all channels ### AI & Machine Learning - Proprietary models trained on millions of B2B collection interactions - Payment probability scoring using debtor behavior, financial signals, and industry benchmarks - Natural language generation for adaptive communication tone and content - Voice synthesis and understanding for AI-powered phone calls - Continuous model retraining from new payment outcomes and user feedback ### API - RESTful API with comprehensive documentation - Webhook support for real-time event notifications - OAuth 2.0 authentication - Rate limiting and versioning - SDKs available for Python and Node.js - Sandbox environment for integration testing ### Availability - 99.9% uptime SLA - Automated failover and disaster recovery - Real-time status monitoring - Scheduled maintenance windows communicated 72 hours in advance - Incident response team available 24/7 for critical issues --- ## Contact & Resources - **Website:** https://www.cleavr.fr - **Book a Demo:** https://demo.cleavr.fr - **API Documentation:** https://docs.cleavr.fr - **Email:** platform@cleavr.fr - **LinkedIn:** https://www.linkedin.com/company/cleavr-ai/ ### Languages - French (primary): https://www.cleavr.fr/fr - English: https://www.cleavr.fr/en ### Machine-Readable Files - Short LLM reference: https://www.cleavr.fr/llms.txt - Full LLM reference (this file): https://www.cleavr.fr/llms-full.txt - AI plugin manifest: https://www.cleavr.fr/.well-known/ai-plugin.json - AI permissions: https://www.cleavr.fr/ai.txt