KLARO is a SaaS platform that aggregates real‑time bank, tax, and registry data for Italian SMEs into a certified credit profile that banks can access instantly. The system automates data ingestion, continuously updates the profile to improve creditworthiness, and offers cash‑flow forecasting and payment scheduling tools, enabling faster loan approvals and better liquidity management.
Funding
Funding not disclosed
Founders
Product
Problem
Italian SMEs often struggle to obtain financing quickly because credit underwriting requires manual collection of fiscal, banking, and registry documents, a process that can take weeks and involves fragmented data across multiple sources.
Solution
KLARO offers a unified SaaS platform that aggregates real‑time bank account data, cash‑flow, invoices and official fiscal information into a single dashboard. By connecting to certified public sources (Agenzia delle Entrate, INPS, Camera di Commercio, Banca d'Italia, etc.) via SPID, the system automatically generates a certified KLARO Profile—a credit dossier that banks can read instantly. The profile is continuously updated as new data become available, improving the company’s creditworthiness over time. Users can share the profile selectively with lenders or intermediaries, enabling credit applications to be processed in minutes instead of weeks. The platform also provides liquidity management tools such as multi‑bank aggregation, cash‑flow forecasting, and a unified calendar for payments and tax obligations.
Target Audience
KLARO is designed for small and medium‑size enterprises in Italy that need faster access to credit and a consolidated view of their liquidity, including owners, CFOs, and financial managers.
Features
- Automatic data ingestion from official Italian sources (tax agency, social security, chamber of commerce, central credit register) with SPID authentication
- Real‑time multi‑bank account aggregation showing balances, transactions and consolidated cash‑flow in one view
- Certified KLARO Profile generation in ~20 minutes, ready for direct upload to banks or credit intermediaries
- Continuous profile updates that enhance credit scores and provide a transparent credit history for new lenders
- Cash‑flow management suite with 12‑month projections, invoice tracking, and integrated payment initiation
- Unified scheduling of invoices, taxes (F24), payroll and other obligations to avoid missed deadlines
- Fine‑grained data sharing controls allowing users to grant access only to authorized parties