Bilendo — Receivables Management & Credit Risk Software

Hello — what can we get done for you today?

Describe a task, or / for commands … Review today's dunning run

Chat Agent Dunning agent

Review today's dunning run Open items by due date Credit limit for a customer Disputes with no reply Open promises to pay Risk class changes Draft a letter Explain the DSO trend

Dunning · today's run 30 matches · 23,579,590 EUR

level 3 only no dunning block

Customer Level Open amount Block Status Mustermann AG Level 3 €1,204,000 — Draft Becker Industries SE Level 3 €1,194,761 Dispute Draft Schmidt Logistics GmbH Level 3 €1,041,941 — Draft Krause Textil GmbH Level 3 €935,913 — Draft Wagner & Söhne GmbH Level 3 €412,900 — Draft

level 3 only, and only without a dunning block

Agent just now

30 level-3 notices, sorted by open amount. On 1, a dispute block is holding documents back after all — listed and flagged despite your filter rather than quietly dropped.

Agent working …

Dunning · today's run

Mustermann AG €1,204,000

Becker Industries SE €1,194,761

Schmidt Logistics GmbH €1,041,941

All plans › Group today's dunning notices by review need

Dunning agent · less than a minute ago

Draft

Situation 30 notices · 7 review groups

Notices in this run

30

across 7 review groups

Volume (EUR)

23,579,590

across 7 review groups

6 red 21 amber 3 green

Re-cut by review group

1

Action step Review 3 of 3 approved

Send the 3 notices in the “clear case” group, provided they are still dispatchable — an explicit sign-off on the safe bulk send.

Schmidt Logistics GmbH Level 2 €1,041,941 Draft

and 2 more.

2

Instruction step Review Not approved yet

Look at the notice whose dispute block is holding documents back, and decide whether it goes out incomplete today or waits until the block expires.

Becker Industries SE Level 3 €1,194,761 Draft

Run plan Discard plan

Plan running 3 of 4 steps done

Group today's dunning notices by review need

Re-check dispatchability done
Send the “clear case” group done
Record the decision on every account done
Defer the notice under a dunning block running

Session balance

Session running 36 minutes · 14 actions

Summary Usage

Balance

This session analysed and annotated 5 customers carrying 18.58m EUR in overdue volume; the group was rated critical. The standout is Becker Industries SE (no. 64618837), where a dunning block over 4 open disputes is holding 4.29m EUR of overdue receivables. The run produced 3 letters, created and sent — 14 actions across 8 objects over 2 analyses.

Analyses in this session

Object Rating Headline 5 customers critical 5 customers carrying 18.58m EUR in overdue volume, with inconsistent dunning status Becker Industries SE (no. 64618837) critical A dunning block over 4 open disputes is holding 4.29m EUR of overdue receivables at a well above-average DSO.

Session results

Customers analysed 5

Customers annotated 5

Letters sent 3

Letters created 3

5 customers analysed and annotated, 3 letters created and sent.

Agent 2 min ago

I asked whether the comment should be saved to every customer in the current view — the card in the chat is yours to decide.

Agent is asking

Create draft letters to 3 customers covering all open items?

executed 3 of 3 executed.

please send the letters

Dunning block holds documents back Goal 1 of 1 · step 4 of 8

A dunning block keeps 6 documents out of this notice (€3,662,854) — sending today means the next, escalated notice is 7 days away at the earliest, because of the dunning frequency.

What this finding rests on

The documents held back

Document Open Block RE-8832-2001 €445,420 Dunning block (dispute) RE-8832-2013 €635,439 Dunning block (dispute) RE-8832-2003 €321,750 Dunning block (dispute) RE-8832-2012 €111,365 Dunning block (dispute)

and 2 more.

Dispute — 6 items excluded pending clarification (€3,662,854).

Run now Change dispatch route Download PDF

Handling in the plan Schedule send Schedule deferral Remove from plan

Round 1 of 6: model reviewing 8 datasets …

Reasoning

Collecting core data for Becker Industries SE (13 datasets) …

8 datasets computed: master data & status, open items, ageing — and more.

The data basis is ready — the subagent is reading it now …

Round 1 of 6: model reviewing 8 datasets …

Analysing customer “Becker Industries SE” for 0:14

Agent is asking

Create draft letters to 3 customers covering all open items?

executed 3 of 3 executed.

Queue 284

Sent today 0

Exposure 48.2 M €

Becker Industries SE requests a credit limit increase from €1,500,000 to €2,000,000.

Credit Agent Analyzing Ready

Utilization sits at 80% of the current limit with no payment delays in 12 months — recommending approval of the full €2,000,000.

Approve €2,000,000 limit Adjust

Ask about this account…

Clarification workflow KF-1027 Group: Price differences

Dispute opened Completed

Wagner & Söhne GmbH · €4,200

Assign clarification group Completed

Price differences

Dunning paused Completed

Automatic rule

Response draft Running

Dispute Agent

Handover to collection

If no response

No handover

If resolved

Add step

Clarification workflow KF-1027 Group: Price differences

Dispute opened Completed

Wagner & Söhne GmbH · €4,200

Assign clarification group Completed

Price differences

Dunning paused Completed

Automatic rule

Response draft Running

Dispute Agent

Handover to collection

If no response

No handover

If resolved

Add step

Clarification case KF-1027 Open Wagner & Söhne GmbH · €4,200

J. Alvarez · Assignee expectations 3 days ago

Customer disputes a price difference — please verify the invoice and prepare next steps.
Automation Bot · Clarification opened 3 days ago

Journal entry RE-2044-118 · Invoice · Wagner & Söhne GmbH €4,200 open
Group assigned · Price differences 3 days ago
Dunning paused · Automatic rule 2 days ago
Dispute Agent · Answer proposed Today

Handover to collection Review

Checked — recommending handover to legal collection.
S. Lorenz · Answer provided Today

No handover Conflicted answer

Customer promised payment by phone.
J. Alvarez · Comment Today

Please align on one answer before this escalates.
Customer response Pending

Welcome to Agentic Receivables & Risk. Welcome to Agentic Receivables & Risk.

The goal: more liquidity, less risk, more control. The way: automation with Bilendo.

One platform, every credit-to-cash workflow.

Decide credit limits. Credit data and payment history feed a score that supports credit-limit decisions right inside the order process — ahead of the risk, not after it.

Decided on the account.

A recommendation included.

Manage risk. Portfolio-wide early-warning signals surface which debtors are deteriorating before an invoice is even overdue.

Resolve disputes. When a debtor disputes an invoice, a structured workflow takes over — routed to the responsible team, dunning paused automatically, escalated to collection only if unresolved.

Automate dunning. Automated, multi-step dunning escalates each account to the right level at the right time — from reminder to handover — with every letter sent by rule, not by hand.

A complete audit trail.

Approve instead of drafting.

Report and forecast. DSO, open receivables and cash-flow forecasts in one view — current instead of end-of-month.

This is Bilendo's agent layer, reading the queue and drafting the next move.

Every step is on the table, and it is there before you approve it.

Every rating carries its proof. For every finding it stays visible which checks ran — and which documents the agent held back instead of quietly sending them along.

The whole dunning run at a glance. Red, amber and green stand before the first approval — you see how much review the run needs before you touch it.

Nothing leaves the building without your yes. Every outbound action waits for confirmation — the agent prepares, the decision stays with you.

You see what it is working on. No black-box result: while the agent computes, you can watch which datasets it is reading and which round it is in.

One API, live the same day.

Fits your landscape, from ERP to credit agency to compliance.

Certified security, hosted in Germany.

This is what our customers and users say about us.

Automated credit limits from day one. How Continental merges internal and external data into one risk score — synced straight to SAP.

85,000 debtors, 450+ locations, one platform. How Vergölst made risk-based credit decisions the standard across its entire branch network.

Targeting 10% lower DSO. How Porsche Inter Auto replaced manual work and media breaks with one automated receivables process.

A business case that pays for itself within a year. How Tiemeyer Gruppe automates receivables across 27 locations — with 10–15% lower DSO in sight.

Agentic credit management — at your fingertips.