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.
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-agent
- consumer-finance
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
  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'