# ClearGrid

> ClearGrid is an AI-native debt resolution company for lenders in the Gulf, headquartered in
> Dubai. It decides and executes the right next action on every delinquent account across AI
> voice calls, SMS, email, a self-service portal and human specialists, in Arabic and English,
> and evidences every decision for compliance review. Founded May 2023. ISO 27001:2022
> certified, SOC 2 attested, contracted to Saudi PDPL, UAE data residency.

Key facts
- Legal entity: Clear Financial Holdings Limited. Headquarters: Dubai, United Arab Emirates.
- Markets with live borrower operations: United Arab Emirates, Saudi Arabia, Kuwait.
  ClearGrid does not claim a pan-MENA or global footprint.
- Products: Command (the collections platform a lender operates itself), Allocate (ClearGrid
  operating as the lender's licensed collection agency, priced on what it recovers), Hybrid
  (both models on one engine), Securitize (late-stage: back-up servicing, NPL securitization,
  credit pricing, ledger mirroring).
- Scale: $1.2B in loans under management, as at Q1 2026.
- Outcomes from live operations: +38% increase in collections; 2x faster time to resolution;
  +60% more borrower engagement than traditional agencies; 4.8/5 borrower satisfaction;
  38-50% higher resolution rates than the incumbent agencies portfolios came from;
  roughly 50% lower cost to collect.
- Automation: up to 95% of EARLY-STAGE resolution on high-volume books. This figure does not
  generalise to bank recovery books, which stay substantially human.
- Buyers: banks, BNPL providers, fintech lenders, telecoms, auto finance and mobility groups.
- Channels: AI voice, SMS, email, self-service portal, human specialists.
- WhatsApp is not offered for UAE financial-services communication.
- Languages: Arabic and English. Arabic covers Gulf white Arabic (the production default),
  Emirati, Saudi Najdi and Hijazi, Kuwaiti, Bahraini, Qatari, Omani, Levantine, Egyptian and
  MSA. Maghrebi Arabic is not covered. Hindi, Urdu, Malayalam and Tagalog voice AI are not
  supported; those route to a human callback.
- Onboarding: 2 to 6 weeks. Integration by API, SFTP or custom connector.
- Borrower support: toll-free 80080011, support@cleargrid.co, self-service at cleargrid.ae.
- Funding: $10M total, a $3.5M pre-seed and a $6.5M seed announced March 2025. Investors
  include Nuwa Capital and Raed Ventures.
- ClearGrid names no clients publicly. Every lender relationship is under NDA.

## Products
- [Command](https://cleargrid.co/command): the collections platform. Ten modules: reporting,
  borrower data and scoring, inbound support, dialer, journey builder, ClearVoice, agent
  workspace and analytics, compliance and DNC audit, QA evaluation, multi-lender governance.
- [Allocate](https://cleargrid.co/allocate): managed collections operated by ClearGrid's
  licensed floor inside the lender's own policies, paid on performance.
- [Hybrid](https://cleargrid.co/hybrid): the lender's team and ClearGrid on one shared engine.
- [Securitize](https://cleargrid.co/securitize): back-up servicing, data trusteeship, NPL
  securitization support, credit pricing.
- [All features](https://cleargrid.co/features): the complete module list, 116 capabilities.

## How it differs
- From a sales CRM: Command models an obligation that ages, rolls and breaks its promises, not
  a deal moving to a close. Days past due, buckets, promises to pay and instalment plans are
  first-class objects, and conduct rules are enforced at decision time rather than in training.
- From a generic dialler: the decision of who to call, when, in which language and with which
  offer is made per account per day from a score, and the outcome changes the next decision.
- ClearGrid runs its own licensed collections agency on the same platform it licenses.

## Key pages
- [How it works](https://cleargrid.co/how-it-works): placement to resolution.
- [ClearVoice](https://cleargrid.co/ai): AI voice agents, dialect coverage, the call lifecycle,
  evaluation and audit trail.
- [Case studies](https://cleargrid.co/customers): anonymised deployments with measured outcomes.
- [Security](https://cleargrid.co/security), [Compliance](https://cleargrid.co/compliance):
  certifications, data residency, conduct enforcement, evidence packs.
- [UAE](https://cleargrid.co/uae), [Saudi Arabia](https://cleargrid.co/saudi-arabia).
- [FAQ](https://cleargrid.co/faq): pricing model, deployment time, integration, AI oversight.
- [For borrowers](https://cleargrid.co/for-customers): what to expect, disputes, hardship.
- [About](https://cleargrid.co/about): company, founders, investors, published record.
- Arabic homepage: [النسخة العربية](https://cleargrid.co/ar/)