Bilendo

What Bilendo does

Bilendo GmbH is a Munich-based B2B SaaS company founded in 2015 that provides cloud-based accounts receivable (AR) automation and credit management software for German-speaking enterprise and mid-market customers. The platform processes over €25 billion in receivables volume across more than 5 million debtors and 10,000+ daily users, addressing manual dunning, dispute resolution, and credit risk assessment workflows that finance teams typically handle through fragmented ERP processes.

The product is modular, consisting of a mandatory Cloud-Plattform base that consolidates data from multiple ERP and CRM systems via API or batch interfaces, with three optional modules: Receivables (automated daily dunning, dispute workflows, customer communication), Risk (credit limit management, digital credit scoring integrated with Creditreform/Schufa/Crif-Bürgel, and trade credit insurance workflows), and Add-Ons (Analytics dashboards and Enhancer data enrichment). The architecture is hosted on AWS Germany (Frankfurt) with ISO 27001, ISO 27017, ISO 27018, SOC1-3, PCI DSS Level 1, and TISAX certifications supporting data sovereignty requirements critical to DACH enterprise procurement.

The business model is annual SaaS subscription priced on a value-based model tied to number of active debtors and active users, supplemented by per-transaction fees for postal dispatch of dunning letters through Bilendo's own lettershop. Bilendo operates a dual GTM motion combining direct enterprise field sales with a self-serve product tour, targeting CFOs, credit managers, and accountants primarily in the DACH region (Germany, Austria, Switzerland). Named enterprise customers include Continental, Thyssenkrupp, Commerzbank, Freudenberg, and Sana Kliniken. The company is founder-controlled (Florian Kappert CEO, Jakob Beyer CTO, Markus Haggenmiller CFO) with approximately $2.67M in disclosed venture funding from Neosfer, Bayern Kapital, Aerion Partners, FTR Ventures, and Motu Ventures.

Name

Bilendo

Legal name

Bilendo GmbH

Website

https://bilendo.de

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

Bilendo GmbH is a Munich-based B2B SaaS company providing cloud-based accounts receivable automation and credit management software, serving enterprise and mid-market finance teams in DACH with modular dunning, dispute, and credit risk products.

Ownership category

akta.pro rank

Product category

Accounts Receivable Automation & Credit Management Software

NAICS

Software Publishers (5132), Credit Bureaus (56145), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Miscellaneous Business Credit Institution (6159), Services-Consumer Credit Reporting, Collection Agencies (7320), Finance Services (6199)

akta.pro primary industry

Invoicing, Billing & Accounts Receivable Automation (FSAGAJAC)

akta.pro secondary industries

Borrowing/Lending Risk & Credit Infrastructure (on-chain credit scoring, risk engines, insurance wrappers) (FSAPAEAI), Lending Protocol Infrastructure (Oracles, Rate Models, Vaults) (FSADAFAN)

Keywords

• Accounts receivable automation
• Credit management software
• Dunning software
• Receivables management
• ERP credit integration

Headquarters

HQ city

Munich

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Infrastructure, Operations

Revenue model

1. Annual SaaS Subscription: Annual subscription fee for platform access based on value-based pricing tied to number of active debtors and active users. Price is fixed for contract duration and paid annually in advance.
2. Transactional Fees: Per-transaction fees for postal dispatch of dunning letters and customer communications. Billed monthly based on actual consumption.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

Bilendo sells a modular cloud SaaS platform that automates accounts receivable (AR) processes and credit management for B2B finance teams. The platform covers the full order-to-cash cycle including open-item clarification, automated daily dunning, dispute and escalation workflows, customer communication, credit scoring with bureau and trade-credit-insurance data, credit-limit calculation and approval, and real-time receivables reporting. Customers license the Cloud-Plattform base module and add optional Receivables, Risk, and Add-Ons modules, with pricing tied to active debtors and active users plus per-transaction postal dispatch fees.

Product overview

Bilendo offers a modular cloud-based AR Automation and Credit Management platform consisting of four main components: the Cloud-Plattform (base platform serving as a data hub for consolidating data from ERP/CRM systems), Receivables (automating accounts receivable processes including dispute management and dunning), Risk (managing credit limits and risk assessments with credit bureau and trade credit insurance integrations), and Add-Ons (Analytics for reporting and dashboards, and Enhancer for data enrichment). Customers must license the Cloud-Plattform as the foundation, with Receivables, Risk, and Add-Ons available as optional modules.

Differentiator

Problem solved

Functional benefit

Products and services

• Bilendo Cloud-Plattform Mandatory base cloud platform that consolidates data from ERP and CRM systems into a central data hub, providing data integration, configuration capabilities, intelligent search, flexible work queues, configurable list views, global search, role-based access controls, export options and core security standards.
• Bilendo Receivables Optional module that automates end-to-end accounts receivable processes including open-item clarification, intelligent dunning locks, automated daily dunning, dispute management with escalation and customer communication workflows for finance teams and debtor accountants.
• Bilendo Risk Optional module that delivers holistic credit-limit management and risk assessment, combining internal payment history with external credit bureau data (Creditreform, Schufa, Crif-Bürgel) and trade credit insurance integrations to produce risk scoring, credit limit calculation, validation and approval workflows, risk alerts and order blocking or release functionality.
• Bilendo Add-Ons Optional add-on bundle comprising Analytics (configurable reports, tailored analyses, customizable dashboards and trend visualization) and Enhancer (data enrichment for records with CRM and billing integration).

Quantifiable outcome

• 3-5% DSO reduction through intelligent dispute workflows and daily automated dunning
• +3 more outcomes

Named customers10 records

Segments5 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability1 record

Feature7 records

Partnerships

Five partnerships are on record, tiered core.

• Amazon Web Services (AWS)coreTechnology or IntegrationAWS provides cloud infrastructure hosting for Bilendo's SaaS platform. Data is stored in AWS Germany (Frankfurt) data centers with ISO27001, ISO27018, ISO27017, and PCI DSS Level 1 certifications. AWS SOC1-3 compliant.
• CreditreformcoreTechnology or IntegrationCredit bureau integration for external credit scoring and debtor information. Bilendo queries credit bureau data on behalf of customers for credit risk assessment.
• SchufacoreTechnology or IntegrationCredit bureau integration for external credit scoring and debtor information. Bilendo queries credit bureau data on behalf of customers for credit risk assessment.
• Crif-BürgelcoreTechnology or IntegrationCredit bureau integration for external credit scoring and debtor information. Bilendo queries credit bureau data on behalf of customers for credit risk assessment.
• CloudflarecoreTechnology or IntegrationCloud firewall service protecting all incoming and outgoing data transfer to and from Bilendo platform.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• HighRadius: Large US-headquartered autonomous finance platform offering order-to-cash, treasury, and record-to-report suites. Directly comparable to Bilendo's AR automation and credit management capabilities, but at significantly greater scale and with a global enterprise footprint.
• BlackLine: Public US company providing cloud software for accounting and finance transformation, including collections and credit modules. Competes with Bilendo in the larger finance operations suite category rather than pure-play AR.
• YayPay (by Quadient): AR automation offering now part of Quadient's customer communications and finance automation portfolio. Competes with Bilendo in enterprise AR collections, particularly for larger multinational accounts.

Direct peers

• Sidetrade: European-listed AI-driven order-to-cash platform providing dunning, collections, and cash flow forecasting. Closest direct competitor to Bilendo in the European mid-market and enterprise AR automation space.
• Billtrust: US-based order-to-cash platform offering invoicing, collections, cash application, and credit management. Overlaps directly with Bilendo's Receivables and Risk modules on a horizontal B2B basis.
• Serrala: Germany-based fintech specializing in accounts receivable, accounts payable, and treasury management software. A direct DACH-region competitor with overlap in AR automation, dunning, and credit workflows.
• Versapay: North American AR automation platform combining collaborative invoicing, collections, cash application, and B2B payment network. Comparable horizontal AR automation positioning to Bilendo.
• CollectAI (Atruvia subsidiary): Germany-based AI-powered collections and dunning platform serving B2B and B2C customers in DACH. Direct overlap with Bilendo's Receivables module in automated dunning workflows.

Regional players

• TIS (Treasury Intelligence Solutions): German cloud platform for treasury, payments, and cash management. Adjacent rather than direct, but targets similar mid-to-large DACH CFOs/treasurers and overlaps in bank-integrated cash visibility workflows.

Emerging players

• Invoiced: US-based AR automation SaaS covering invoicing, dunning, payments, and credit management for mid-market. Smaller and more focused than Bilendo's enterprise positioning but highly comparable product surface.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/bilendoapp
• LinkedInlinkedin.com/company/bilendo-gmbh
• Instagraminstagram.com/bilendo.gmbh

Compliance8 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds2 records

Investors5 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bilendo