Investors & Strategic Partners
Building distribution-led SME finance infrastructure.
Onwards Capita is building the distribution layer for Cleriqa, turning accounting firm relationships into the channel for SME cash intelligence, action plans, scenario decisions, and lender ready reporting.
The thesis
The channel already exists. The advisory economics are broken.
SMEs need earlier cash visibility, practical action plans, scenario support, and lender ready reporting. But direct SME adoption is fragmented and expensive. Accounting firms already hold the data, recurring client relationships, and trust required to reach SMEs at scale. The problem is that too much firm capacity is trapped in manual review, rework, and compliance delivery.
Onwards Capita's thesis is simple. If Cleriqa can improve accounting firm delivery economics while creating stronger cash decision outputs for SMEs, the firm channel becomes the most efficient route to market.
Why SMEs need it
- Cash pressure seen too late
- Profit confused with available cash
- Lender readiness gaps
- Decisions made without forward looking context
Why capacity is trapped
- Manual review burden
- Rework cycles
- Compliance margin pressure
- Advisory difficult to scale profitably
Partner economics
The firm incentive is margin improvement, not technology adoption.
Accounting firms do not need another tool that creates more work. They need a way to improve the economics of existing client delivery. Compliance work is under pricing pressure, but delivery is still heavy on manual review, cleanup, and repeated correction cycles. That traps capacity, limits margins, and makes advisory difficult to scale profitably.
Cleriqa gives firms a practical reason to partner. It helps cut review and rework, increases client capacity, and creates a white labelled advisory layer that can generate high contribution margin revenue without requiring the firm to build a larger delivery team. The firm keeps the client relationship, approves commercial messages, reviews exceptions where needed, and benefits from the advisory upside under its own brand.
Cut review and rework
Cleriqa flags mapping issues, anomalies, unmatched items, and correction proposals earlier, reducing repeated cleanup before client delivery.
Protect compliance margin
Less time spent fixing files means more delivery capacity inside the existing team.
Increase client capacity
The same accountant can support more recurring clients when review burden and rework cycles are reduced.
Add high margin advisory revenue
The firm can offer a white labelled advisory layer without building a full CFO delivery team or adding new headcount.
Why now
The stack is finally ready.
The underlying technology stack is now mature enough to build reliable agent tool systems on top of existing ledgers, bank data, and supporting documents. At the same time, SMEs need actionable advisory rather than static reporting, while accounting firms want outcomes, not another tool that forces retraining. Cleriqa sits at this timing point: structured finance workflows, agentic infrastructure, accounting firm distribution, and SME demand for better cash decisions.
Finance data is accessible
Ledgers, bank feeds, invoices, bills, and supporting data can now be connected or ingested more efficiently.
Agent workflows are usable
Agent tool systems can now map, check, reconcile, ask for context, and prepare outputs with review controls.
Firms need the outcome
Accounting firms need advisory economics that improve margin and client value without adding more delivery burden.
What Cleriqa does
Not a chatbot. Not another dashboard.
Cleriqa is an agent tool loop that connects to finance data, maps and standardizes it, validates and reconciles it, asks for missing context, and outputs CFO grade actions.
Early warnings
Identify cash and working capital pressure before it becomes a crisis.
Prioritized cash actions
Show what to do, when to do it, and what should change first.
Scenario decisions
Test hiring, spending, pricing, growth, and financing decisions before committing.
Lender ready reporting
Prepare forward looking finance packs for bank and working capital discussions.
Accounting firm review support
Help firms cut review and rework before client delivery.
See Cleriqa in context
Discover how Cleriqa turns accounting data into cash actions, scenario decisions, and lender ready outputs.
Explore Cleriqa ↗The flywheel
Better firm economics can compound distribution.
The flywheel starts when firms see measurable operational value. Cutting review and rework improves capacity. More capacity allows firms to support more clients with the same team. The advisory layer adds high contribution margin revenue. Stronger economics improve partner retention and make portfolio activation easier. As more firms and clients use Cleriqa, the workflow layer improves: mapping patterns get stronger, exceptions fall, onboarding gets faster, and the partner model becomes easier to scale.
Trust architecture
Auditable and finance grade.
Finance workflows need control, not black box automation. Cleriqa is designed around reviewability and traceability so finance professionals can trust the output before acting on it.
Read only access
Least privilege permissions. Source ledgers are not overwritten.
Deterministic before model suggestions
Rules and checks execute before generated interpretation.
Audit logs and approvals
Sensitive actions require approval and remain traceable.
Shadow ledger
Corrections remain reversible, traceable, and controlled before operational use.
Longer term
From accounting firm workflow layer to SME finance gateway.
The first phase is focused on accounting firms as the trusted distribution channel for SME cash intelligence and advisory outputs. The second phase is broader. As Cleriqa structures SME finance data and decision outputs across firms, it will become a gateway layer between SME finance data and institutions that want to act on it. Potential institutional use cases include lenders, fintechs, B2B finance tools, insurers, and platforms that need better visibility into SME cash performance, working capital pressure, and finance readiness.
Phase 2 is longer term strategic direction, not current traction.
Request investor or strategic partner information.
Onwards Capita shares detailed investor materials selectively. Public information explains the category, product logic, distribution strategy, and proof milestones. Detailed capital structure, transaction strategy, and economics are shared only in private materials.