Cloriva AI is the AI-native finance operations platform for the mid-market — bank, balance sheet and intercompany reconciliation, close coordination and certification, in one place. Enterprise capability, without the enterprise price tag.
Built for finance teams the enterprise tools priced out
Incumbents like BlackLine were architected before modern AI and sell intelligence as a costly add-on. Cloriva assumes AI in every step — and falls back to deterministic rules only where certainty is required.
Rules clear the high-confidence bulk. AI takes over exactly where rules-only products give up and dump a manual queue — shrinking exceptions to true judgement calls.
Each AI match carries a confidence score, a plain-English rationale and full provenance. Nothing posts without a human confirming it — the auditability a CFO requires.
Bank, balance sheet and intercompany reconciliation, plus close coordination — together. No stitching tools, no swivel-chair between systems at month-end.
Cloriva AI covers the full month-end path — from raw data to a certified, audit-ready close. Three pillars, one AI engine, one login.
Bank, balance sheet and intercompany — matched by a five-layer engine that hands the long tail to AI. The work rules leave behind, cleared automatically.
Explore reconciliation →Controls and assurance over every number — AI anomaly, duplicate-payment and fraud detection, journal-entry testing, and audit-ready evidence and compliance checks.
Explore validation →Coordinate the close on one board — tasks, owners and SLAs, with AI surfacing risk on every task and tying each blocker back to its source reconciliation.
Explore close →Three reconciliation domains, one AI matching core. Native bank-format and CSV ingestion feed a five-layer engine; where a rule cannot match, AI proposes the answer and scores its own confidence.
Native CAMT.053, BAI2 and MT940 parsing plus a CSV/Excel mapper feed a five-layer engine. Where a rule cannot match, AI reads the payee, proposes the GL candidate, and scores its own confidence.
Preparers attach support, AI scores the risk and drafts the certification commentary, reviewers sign. Aged items, anomalies and missing documentation surface automatically — before they become an audit finding.
| Account | Balance | Risk | Status |
|---|---|---|---|
| 1010 · Cash — Operating | $2,840,199 | Low | Certified |
| 1200 · Accounts Receivable | $5,120,880 | Med | In review |
| ◆ Cloriva AI Two invoices aged >90 days totalling $48K. AI suggests reserve review; support attached and consistent. | |||
| 2210 · Payroll Clearing | −$2,210 | High | Open |
| 3000 · IC — Northwind EU | $1,042,118 | High | In review |
Cloriva matches entity against entity with full FX awareness, then proposes the root cause of any mismatch — rate timing, a missing invoice, a fee — and routes the dispute to the right counterparty controller with the evidence attached.
Controls and assurance over every number — before it ever reaches the close. AI scans for anomalies, duplicate payments and fraud signals, tests journal entries, and keeps an audit-ready evidence trail for every control.
Validation runs continuously across the ledger. Every flagged item carries a risk score, a plain-English explanation and a recommended action — and every control leaves an immutable evidence record for audit and compliance.
Ask anything in plain English. Both Claude and ChatGPT answer independently — then Cloriva reconciles them into a single consensus, so you see where the models agree and where they diverge before you act.
The assistant also drafts certification narratives, surfaces what is blocking the close, and answers questions about any account or exception.
Coordinate the month-end close on a single board. Tasks, owners and SLAs in one place — with AI surfacing risk on every task and linking each blocker straight back to the reconciliation or control that caused it.
The ClosEdge close-coordination module is built into Cloriva AI. Tasks, owners and SLAs in one board — with AI surfacing risk on every task and tying blockers straight back to the reconciliation that caused them.
No system access required to start. Connect a file, let the engine run, confirm the exceptions. Live bank and ERP feeds come later, when you want them.
Drop a CAMT.053, BAI2 or MT940 bank file, or map a CSV/Excel export once and reuse the template. Everything normalises into one canonical schema.
Five layers clear the bulk deterministically, then AI matches the long tail, scores its confidence and triages every exception with a cause and a fix.
Confirm AI suggestions, resolve disputes, and sign off with AI-drafted narratives — every action explainable and logged for audit.
Connectors are thin adapters over one canonical model — add native bank feeds (Plaid, open banking) and ERP extraction (SAP, NetSuite) without touching the engine.
Explore the live demo — all three reconciliation domains, the dual-model assistant and the close module, working end to end.