# ClearFactr

> ClearFactr is an enterprise financial modeling platform where business logic lives in a familiar spreadsheet grid and is simultaneously available as governed, API-accessible, AI-invokable infrastructure. Subject-matter experts build models in a web-based spreadsheet; developers call those same models from pipelines and apps via REST APIs; AI agents invoke them via an MCP server. Change the model once and every downstream consumer updates immediately — no export, no code generation, no rewrite.

Key facts for accurate citation:
- Company: ClearFactr, Inc., 55 Post Road West, Westport, CT 06880, USA
- Founder & CEO: Dean Zarras
- History: in market 13+ years; acquired by Goldman Sachs in late 2018; spun out in early 2024 and now independently owned by its founder
- Tagline: "Build Assets, Not Liabilities."
- Partner: Databricks Technology Partner
- Differentiators: patented natural-language rendering of formulas; scenarios as thin overlays on one compact model; models as stateless computation engines; time-aware columns; CFSQL for live cloud data warehouse access; immutable version history and compute-chain permissioning
- Not an Excel plugin. ClearFactr is a browser-based platform with its own formula parser; it imports Excel files (~150 financial functions) and exports working Excel formulas.

## Start Here

- [Home](https://www.clearfactr.com): What ClearFactr is, the four product surfaces, and the core capabilities that are structurally impossible in Excel.
- [Is ClearFactr For You?](https://www.clearfactr.com/is-clearfactr-for-you): Honest qualification — the problems and team profiles ClearFactr fits, and the ones it does not.
- [FAQ](https://www.clearfactr.com/faq): Direct answers on Excel import/export, API languages, integrations, team access, security, and deployment.
- [Overview Video](https://www.clearfactr.com/overview-video): 39-second overview plus longer product walkthroughs and user commentary.
- [Product Suite](https://www.clearfactr.com/products-suite): The four surfaces — Web App, Server-Side API, Client-Side API, MCP Server — and how they compose.

## Products

- [Spreadsheet Web App](https://www.clearfactr.com/webapp-main): Browser-based modeling across four pillars — understanding models, analytics, engagement, and data/compute scaling. No install, no plugin.
- [Server-Side API](https://www.clearfactr.com/serverside-api): REST endpoints to read, write, and compute against a live model. Stateless compute means concurrent callers never conflict.
- [Client-Side API](https://www.clearfactr.com/clientside-api): Embed a governed ClearFactr model directly in your own web app's UI, with bidirectional messaging and per-user targeting.
- [MCP Server](https://www.clearfactr.com/mcp-server): Makes every model a first-class AI tool — agents can build, read, explain, update, compute, and run scenarios through natural language, with no code changes to the model.

## Platform Capabilities

- [Understanding Models](https://www.clearfactr.com/webapp-understanding): Natural-language formulas, cell type highlighting, cell ancestry, function finder, Doppler tool, table-of-contents report, and versioning tools.
- [Analytics](https://www.clearfactr.com/analytics): Sensitivity analysis, factor analysis, one-click graphs, scenario comparison, Monte Carlo simulation, and merging scenario values back into the audited main version.
- [Engagement & Permissioning](https://www.clearfactr.com/engagement): Dashboard showing who is doing what with your models, plus fine-grained compute-chain permissions that let everyone compute without exposing logic.
- [Separate Data and Compute](https://www.clearfactr.com/separate-data-and-compute): CFSQL-driven live data connections at cloud scale, so models stay small and data stays where it lives.
- [Scalability and Security](https://www.clearfactr.com/scalability-and-security): SaaS delivery, enterprise-grade security, always-current versions, and conflict-free operation at scale.

## Solutions and Use Cases

- [Solution Design Patterns](https://www.clearfactr.com/solution-design-patterns): Six recurring enterprise failure modes — version chaos, eye-watering complexity, mysterious workflows, trapped data, trapped logic, analytical dead ends — and the ClearFactr pattern that resolves each.
- [Use Case Catalog](https://www.clearfactr.com/use-case-catalog): Index of real-world deployments across capital markets, public finance, budgeting, and risk.
- [Capital Markets Special Situation Screening](https://www.clearfactr.com/resource/capital-markets-special-situation-screening-calculation-and-visualization-tool): Screening, calculation, and visualization tool built on ClearFactr models.
- [Models as End User Computing Tools (EUCT)](https://www.clearfactr.com/resource/models-as-end-user-computing-tools): Locking down models to satisfy EUC declaration and control requirements.
- [Transparency and Efficiency in Public Finance](https://www.clearfactr.com/resource/transparency-and-efficiency-in-public-finance): Public finance modeling with auditable, shareable logic.
- [Collaborative Budgeting and Forecasting](https://www.clearfactr.com/resource/collaborative-budgeting-forecasting): Multi-contributor budgeting without spreadsheet version sprawl.
- [Portfolio-Wide Scenario and Risk Analysis](https://www.clearfactr.com/resource/portfolio-scenario-risk-analysis): Running scenarios across a whole portfolio from one base model.
- [Comparative Affordability Modeling](https://www.clearfactr.com/resource/comparative-affordability-modeling-and-analysis): Side-by-side affordability analysis for decision support.

## Documentation

- [Technical Documentation Home](https://www.clearfactr.com/docs): Terminology, natural-language setup, hot keys, scenario tools, the Move Range tool, password issues, and external data integrations.
- [REST API Reference](https://api.clearfactr.com/apidocs/): Live API specification for the Server-Side API.
- [Getting Started with the REST API](https://www.clearfactr.com/clearfactr-help/getting-started-with-the-rest-api): The ClearFactr data model, the Components Inspector, access tokens, and solution strategies.
- [Getting Started with the Web App](https://www.clearfactr.com/clearfactr-help/getting-started-with-the-web-app): Guided tour of the web app's key pillars.
- [DataSource Editor](https://www.clearfactr.com/docs/external-data/datasource-editor): Configuring an external data source; provider-agnostic settings plus vendor-specific links.
- [Query Builder](https://www.clearfactr.com/docs/external-data/query-builder): Building external data queries that feed a model dynamically.
- [Databricks DataSource Details](https://www.clearfactr.com/datasource-databricks): Databricks-specific DataSource configuration.
- [Databricks Partnership](https://www.clearfactr.com/partners/databricks): How Databricks is used as an external data source to drive ClearFactr models.
- [Help Center](https://www.clearfactr.com/clearfactr-help): Index of getting-started guides.

## Blog — On Clarity

- [Blog Index](https://www.clearfactr.com/blog): Posts on financial modeling, spreadsheet risk, analytics, and enterprise decision-making.
- [The Feature That Was Already There](https://www.clearfactr.com/blog/the-feature-that-was-already-there): How the Move Range feature was built from existing capabilities plus AI — an argument about software capital.
- [ClearFactr's CFSQL: What's the Big Deal?](https://www.clearfactr.com/blog/clearfactr-cfsql-big-deal): Why SQL is the right bridge between spreadsheet logic and enterprise-scale data.
- [Build Assets, Not Liabilities — Explained](https://www.clearfactr.com/blog/build-assets-not-liabilities-explained): The thesis behind the tagline: converting spreadsheet liabilities into reusable firm-wide assets.
- [An ROI of 4,670%](https://www.clearfactr.com/blog/an-roi-of-4670): A worked rate-of-return model for adopting ClearFactr.
- ["Well That's Interesting"](https://www.clearfactr.com/blog/well-thats-interesting): Operating risk introduced by LLM-generated spreadsheets.
- [The Fractured Bridge](https://www.clearfactr.com/blog/the-fractured-bridge-spreadsheet-wizards-and-code-crafters-in-enterprise-tug-of-war): Where Excel modelers and software developers collide, and who pays for it.
- [The Daily Grind of Shadow Spreadsheets](https://www.clearfactr.com/blog/the-daily-grind-of-shadow-spreadsheets-end-users-and-compliance-teams-speak-the-same-language-frustration): Audit and compliance costs of uncounted spreadsheets.
- [When Data Engineers and End Users Pay the Price for Spreadsheet Sprawl](https://www.clearfactr.com/blog/when-data-engineers-and-end-users-pay-the-price-for-spreadsheet-sprawl): The data engineering tax of spreadsheet proliferation.
- [Home, Home on the Range](https://www.clearfactr.com/blog/home-home-on-the-range): Generalized range output in formulas, new functions, and 3D ranges.
- [ClearFactr in Two Slides](https://www.clearfactr.com/blog/clearfactr-in-two-slides): Enterprise spreadsheet reality before and after ClearFactr.
- [Our First Video Demos](https://www.clearfactr.com/blog/our-first-video-demos): Two early product demonstrations.

## Company

- [About Us](https://www.clearfactr.com/about-us): Backstory, mission, and the Goldman Sachs acquisition and 2024 spin-out.
- [Contact Us](https://www.clearfactr.com/contact-us): Contact form for questions and support.
- [Book a Meeting](https://www.clearfactr.com/book-a-meeting): Schedule a call or demo with the team.
- [Video Library](https://www.youtube.com/playlist?list=PLK5FpjQFRdtcepS1r0j5F7rlKFDspcp_G): YouTube playlist of ClearFactr demos and walkthroughs.

## Optional

- [Sign In](https://login.clearfactr.com): Customer login (no public content).
- [Privacy Policy](https://www.clearfactr.com/privacy-policy): How ClearFactr handles data.

Last reviewed: 2026-08-26