Underwritten as software.
From first contact to placement and repayment, every cohort moves through one system, not spreadsheets: underwriting, servicing, payments, defaults and the data room.
Every part of the loan, built in-house.
Underwriting
We assess who qualifies before any capital moves: recognition feasibility for the trade, and a signed employer commitment on the other side.
End-to-end tracking
Every milestone is a state in the system, not a spreadsheet: visa, language, recognition, placement, repayment.
Servicing & data room
Once a worker is earning, the income share is collected, reconciled and reported in the same system, with a clean data room behind it.
In-house technology for all lending operations. We own the underwriting, the servicing and the data.
Schools, recognition bodies and employers do the work on the ground. Cleero funds them, but does not run them.