Klear, the capital intelligence platform that helps companies manage and finance working capital, announced a partnership with trade credit insurance firm Allianz Trade in North America. The collaboration establishes an insurance-backed receivables financing program that increases access to non-dilutive growth capital while positioning companies for institutional investment rounds.
Under the partnership, Allianz Trade provides comprehensive credit insurance on eligible receivables from non-investment-grade buyers. This risk transfer mechanism enables Klear to extend capital against a broader universe of invoices while maintaining institutional underwriting standards and protections.
“Growth companies deserve the same risk infrastructure that Fortune 500 enterprises rely on,” Allianz Trade in Americas SVP and Chief Commercial Officer Steve Georgetti said. “Our partnership with Klear brings institutional-grade credit protection to the middle market, enabling scaling businesses to pursue expansion with confidence while maintaining the balance sheet discipline that sophisticated investors require.”
For companies scaling toward institutional rounds, this partnership will reportedly help access non-dilutive growth capital with the credit protection, transparency and structural discipline that sophisticated investors demand.
Klear’s platform aggregates fragmented invoice, order and payment data into unified Capital Intelligence that enables forward-looking capital planning. It can also extend receivables financing from institutional investors, powered by the risk, governance and reporting enabled by the platform. The partnership with Allianz Trade in North America extends this program further, de-risking non-investment-grade receivables with backing from the global leader in trade credit insurance.
The combination of expanded access to non-dilutive capital with Klear’s focus on Capital Intelligence improves the ability for growing companies to access further institutional investment rounds. Late-stage investors scrutinize capital structure, burn efficiency and balance sheet quality with forensic precision. Traditional receivables financing often introduces counterparty risk, covenant restrictions or opacity that raises red flags in diligence. Klear’s Allianz-backed structure looks to eliminate these concerns by combining institutional-grade credit insurance with real-time capital intelligence, creating a financing layer that enhances the equity story.
“CFOs preparing for growth rounds face an impossible trade-off: fund operations aggressively or preserve runway and metrics,” Klear CEO Chris Hale said. “Allianz Trade in North America’s partnership changes that calculus entirely. We’re delivering protected, covenant-light working capital that strengthens unit economics, extends runway and demonstrates financial sophistication, all without touching cap table.”
