The Model

How the financing works.

We cover the full upfront cost of the move, then take a fixed share of income once the worker is earning in Europe. No debt, no fixed repayment, no upfront cost to the worker.

How an income share differs from a loan

The terms

One instrument, four numbers.

~€12,000
financed per worker, paid to vetted partners.
3 to 6 months
to a full, recognised qualification.
10%
of income, the agreed share.
10 years
fixed term, then it ends.
Fair by design

Why an income share is the right instrument.

Income, not debt.

Repayment is a share of what the worker actually earns, never a fixed loan.

Aligned.

Cleero only earns when the worker earns. Our return is tied directly to their success.

Time-boxed.

A fixed 10% of income for 10 years, then it ends.

The difference

Income share vs. a personal loan.

Cleero
Personal loan
No upfront cost to the worker
Repayment scales with income
No fixed debt to default on
Built as software

Every cohort runs on one platform.

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