A limit is a decision, not a number in a field.
A suggestion from your own credit policy, validation, release by the person who owns that approval range, then set — with the reports, securities and cover the decision rests on sitting on the same customer.
Connected credit agencies and credit insurers.
- Allianz Trade
- Atradius
- Coface
- Creditreform
- Creditsafe
- CRIF
- Dun & Bradstreet
- Bureau van Dijk
Release chain
- Suggested
- Validated
- Released
- Set
Risk alerts
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Mustermann AG High riskRisk class down to C 5 days ago
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Becker Industries SE Low riskLimit utilization at 80% Today
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Schmidt Logistics GmbH Medium riskPayment times rising three months straight 12 days ago
From the suggestion to the limit that is set.
Every limit change takes the same route: a suggestion appears — from the scoring, from an agency report or by hand — it is validated, released by the person who owns that approval range, and only then set.
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360° overview
Score, report, balance sheet, securities, cover, utilisation and history in one place — the decision needs no second screen.
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Automated limit suggestions
Computed from your scoring and your parameters, not estimated — as a suggestion, not as a limit.
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Configurable limit application
Every detail in a structured application, so review and approval run the same way everywhere.
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Release by approval range
Who may release which amount is in the credit policy — the chain holds until that person has decided.
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Limit history
Every change with its date, its person and its reason; earlier states stay readable.
Active securities reduce the amount that needs releasing at all. Where the suggestion came from changes nothing about the chain.
Your scorecard, not ours.
A score that does not know your market is an opinion. So the scorecards are yours: you set the parameters, the weights and the logic, and internal payment experience counts alongside the external report.
Payments have slowed over the last twelve months: invoices take 12 days longer to settle (ADP) and payments run 4 days further past the due date (DBT). The score dropped 9 points in the same period.
- Individual scorecards
- No limit on the number of parameters or the logic — the card reflects what you know about your customers.
- Internal and external sources
- Payment behaviour from your own record, combined with agency data and balance-sheet figures.
- Several scorecards
- Different areas, countries or channels can be scored by cards of their own.
- Recommended limit
- Computed from the score and your parameters — the number the release chain starts with.
Agency, insurer, security — in one customer view.
What limits the loss sits on the customer rather than in a portal beside it: the report, the cover, the guarantee — and the changes to them.
Credit agency connections
Pull reports from the common agencies directly and take the data into your own scoring.
Integrated monitoring
Changes to reports you hold arrive automatically instead of surfacing at the next manual request.
Trade credit insurance
Request and manage cover with the connected insurers without leaving the platform.
Prospect check
Check creditworthiness before a customer exists — and decide whether, and how high, a limit is granted.
Securities
Record guarantees and other securities; active ones reduce the amount that needs releasing.
What stands out shows up before it is overdue.
Risk alerts report changes as they arrive — a fallen risk class, reduced cover, a rising days-beyond-terms. And where substance is what matters, the balance-sheet analysis sits beside it.
- Risk alerts
- Configurable by signal, threshold and recipient — as a task, not as an email that gets lost.
- Balance-sheet analysis
- Figures from your key customers' annual accounts, analysed and kept on the customer.
- Risk classes with history
- When a class changed and why stays readable — not just today's state.
This week
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Mustermann AG High riskRisk class down to C 5 days ago
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Becker Industries SE Low riskLimit utilization at 80% Today
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Schmidt Logistics GmbH Medium riskPayment times rising three months straight 12 days ago
The rules are set beforehand, not case by case.
Approval ranges, thresholds, permitted kinds of security and who decides when somebody is away: that is your credit policy, and the software follows it rather than interpreting it.
The cooperation with Bilendo was and is characterized by an uncomplicatedness that has become rare.
What credit managers ask first.
Credit agencies and credit insurers are reachable through the existing connections — exactly which ones today is named on the Integration Layer page. Reports and cover arrive through them and land on the customer rather than in a portal beside it.
Yes, and that is the normal case. The parameters, the weights and the logic are yours; several scorecards side by side are possible where different areas must be scored differently. Internal payment experience counts alongside external reports.
Through the credit policy's approval ranges. A suggestion is submitted to the person who owns that amount and stays open until they decide. Active securities reduce the amount that needs releasing, so the authority limit applies to the risk that is actually open.
No. The release chain is older than the agent and applies regardless of where a suggestion comes from — an agency report, the team or an agent. The agent prepares and justifies; a person releases, and the decision stays readable on the customer with its date and its person.
Through risk alerts, configured by signal, threshold and recipient: a fallen risk class, reduced or cancelled cover, rising days-beyond-terms, an exceeded limit utilisation. An alert becomes a task with an owner rather than an email that sinks in an inbox.
It analyses your key customers' annual accounts by figure and keeps the result on the customer, so it sits beside the score, the report and the cover. It replaces no audit and makes no decision — it supplies the substance a decision refers to.