Clerkie

aid: clerkie
name: Clerkie
description: Clerkie, operated by Henry Labs Inc. and founded in San Francisco in 2016, is an AI-powered debt management and
  loan-recovery platform serving both consumers and institutional lenders. The consumer side offers a conversational financial
  assistant for budgeting, debt negotiation, and personalized repayment planning, while the B2B side — marketed as Fiber,
  launched in 2021 and now sold on its own domain getfiber.ai — gives lenders, banks, credit unions, and collection agencies
  an AI-driven recovery suite spanning CRM, an inventory management system (IMS), an AI agent, omnichannel communications,
  borrower scoring, a self-service payment portal, and workflow automation. Clerkie markets a RESTful API and multi-currency
  payment processing for lenders to integrate loan portfolios, real-time reporting, and automated repayment arrangements,
  but publishes no public developer documentation, machine-readable API contract, or self-serve developer portal — integration
  is arranged through a sales conversation. The company has raised over $41M from Left Lane Capital, Flourish Ventures, Vestigo
  Ventures, and Citibank.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  probe_state: gated
  source:
  - security
  generated: '2026-11-06'
  method: derived
image: https://www.clerkie.io/static/clerkie-logo-white-bc35b467de9da2a6e9ab4dfe5fc98170.png
url: https://raw.githubusercontent.com/api-evangelist/clerkie/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
specificationVersion: '0.23'
created: '2026-08-09'
modified: '2026-08-09'
tags:
- Company
- Fintech
- Debt Management
- Lending
- Loan Servicing
- Debt Collection
- Payments
- Credit
- Financial Services
- Personal Finance
- AI Agents
- Consumer Finance
tags_raw:
- Company
- fintech
- debt-management
- lending
- loan-servicing
- debt-collection
- payments
- credit
- financial-services
- personal-finance
- ai-agent
- consumer-finance
- Financial-Services
apis:
- name: Clerkie API
  description: RESTful API marketed to lenders for integrating loan portfolios with Clerkie's recovery platform — payment
    arrangement recommendations, multi-currency payment processing, delinquency intervention, and real-time portfolio reporting.
    The API host is live and answers at its root, but every documentation, specification, and discovery path probed anonymously
    returns an error, and no public developer documentation or machine-readable contract is published; access is arranged
    through Clerkie's sales process.
  humanURL: https://www.clerkie.io/lenders
  baseURL: https://api.clerkie.io/
  tags:
  - Fintech
  - Lending
  - Loan Servicing
  - Debt Collection
  - Payments
  - Financial Services
  tags_raw:
  - fintech
  - lending
  - loan-servicing
  - debt-collection
  - payments
  - financial-services
  - Financial-Services
  properties:
  - type: DomainSecurity
    url: security/clerkie-domain-security.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.clerkie.io/
- type: Portal
  url: https://www.getfiber.ai/
- type: Blog
  url: https://www.getfiber.ai/resources
- type: SignUp
  url: https://app.clerkie.io/
- type: TermsOfService
  url: https://s3-us-west-2.amazonaws.com/clerkie-legal/Henry+Labs+-+Terms+of+Use.pdf
- type: PrivacyPolicy
  url: https://s3-us-west-2.amazonaws.com/clerkie-legal/Henry+Labs+-+Privacy+Policy.pdf
- type: LLMsTxt
  url: llms/clerkie-llms.txt
- type: Conformance
  url: conformance/clerkie-conformance.yml
- type: DomainSecurity
  url: security/clerkie-domain-security.yml
x-enrichment:
  date: '2026-08-09'
  status: minimal
  artifacts_added: 4
  pass: local-v1
x-coverage:
  state: gated
  reason: sales-gate
  detail: Clerkie markets a RESTful API to lenders on www.clerkie.io/lenders ("For developers, by developers") but ships no
    developer portal at all — docs.clerkie.io and developers.clerkie.io have no DNS, api.clerkie.io answers its root with
    a health payload and returns HTTP 500 on every documentation and discovery path, api.getfiber.ai returns 403 Forbidden
    on every path behind an AWS load balancer, and the only route to the API is a HubSpot "Contact Sales" form.
  evidence:
  - url: https://www.clerkie.io/lenders
    status: 200
  - url: https://api.clerkie.io/openapi.json
    status: 500
  - url: https://api.getfiber.ai/openapi.json
    status: 403
  - url: https://www.getfiber.ai/docs
    status: 404
  - url: https://share.hsforms.com/1EslFlOk3Q6Gc5rFLq26n1w5n2wx
    status: 200
  checked: '2026-08-09'