About Onwards Capita
The work came first. The platform followed.
Onwards Capita began by solving SME cash flow, working capital, and decision problems directly. Cleriqa was built when the same problems kept appearing across SMEs and accounting firms.
The origin
How a CFO firm became a finance performance company.
CFO execution firm
Helping SMEs solve practical finance problems directly, close to the numbers.
Recurring SME liquidity problem
Reports existed; decisions still came too late. The same pattern, again and again.
Accounting firm delivery bottleneck
Firms had the data and trust, but not the economics to deliver advisory at scale.
Cleriqa platform
Built to connect both sides: earlier SME decisions, scalable firm advisory.
Finance performance company
Productizing what works while continuing selective CFO execution.
The problem was not missing reports. It was missing decisions.
Many SMEs could explain profit after month end, but couldn't answer what mattered during the month: how much cash is really available, where pressure is building, what's coming next, and what to do now.
Data and trust, but not scalable economics.
Firms held recurring relationships, financial data, and owner trust, but their economics were trapped in manual compliance, review cycles, and rework. CFO grade advisory was valuable, but hard to scale profitably.
That tension became Cleriqa.
Built on a simple belief: finance insight is only useful if the numbers can be trusted. So Cleriqa combines CFO judgment, predictive analysis, agentic workflows, review controls, and traceable outputs.
The operating layer
CFO execution meets technical infrastructure.
Onwards Capita was built from CFO execution. Cleriqa added the technical infrastructure needed to scale the parts of that work that repeat across SMEs and accounting firms.
Frédéric Vérin
Co-founder, Cleriqa
Frédéric brings the CFO operating lens behind Onwards Capita: cash management, working capital, restructuring, fundraising, M&A, finance transformation, and decision support across SMEs, scale ups, and complex operating environments.
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Rahul Balaraman
Rahul leads the Cleriqa technical engine: predictive analysis, agentic workflows, mapping, reconciliation logic, and infrastructure designed to turn messy financial inputs into structured, explainable outputs.
Together, the work connects two needs: SMEs need earlier liquidity decisions, and accounting firms need a scalable way to deliver those decisions profitably.
Where Onwards Capita is going
From CFO execution to finance performance infrastructure.
Onwards Capita continues to work directly with SMEs where CFO support can materially improve cash control, working capital, lender readiness, financial control, and decision quality.
Cleriqa scales the repeatable parts of that work. The platform helps SMEs turn accounting data into liquidity insight, action plans, scenario decisions, and lender ready outputs. It also helps accounting firms cut review work, protect margins, and deliver advisory value more profitably. The mission is simple: turn accounting data into trusted decisions before cash pressure becomes a crisis.