Your AI copilot for credit & collections
Lunica is the intelligent copilot for credit & collections teams. From digital credit applications to automated collections and dispute resolution — get a real-time, contextual view of every account.
A copilot that sits on top of your financial software
Lunica integrates with your existing financial software to manage the entire credit-to-cash lifecycle — from onboarding new customers with digital credit applications to automating collections and resolving disputes. You make the decisions. Lunica does the legwork.
Automates the full credit lifecycle
From credit applications to collections and follow-ups — monitored and managed in real time.
Handles disputes and approvals
Routine credit decisions and dispute workflows resolved automatically with full context.
Tracks risk, outcomes, and history
Credit scores, payment patterns, and resolution history — always up to date.
Prioritizes where your attention matters most
Surface the accounts and applications that require human judgment.
Reach customers where they are. Every channel, one platform.
Whether it's a credit application link, a payment reminder, or a dispute follow-up — Lunica connects with customers through their preferred channel with consistent context across every touchpoint.
Phone
AI-powered voice calls for collections conversations, credit verifications, and customer onboarding.
SMS
Automated texts for payment reminders, credit application updates, and quick customer responses.
Send credit application links, payment confirmations, and follow-ups on their preferred platform.
Branded credit applications, personalized follow-ups, and smart dispute detection — all automated.
Talk to Lunica
Experience how Lunica handles collections conversations. Call our AI agent to hear it in action.
From credit onboarding to cash collection
Digital credit applications, streamlined
Transform credit applications into a seamless digital experience. Verify, approve, and onboard customers in minutes — not days — with automated risk assessment and AI-powered recommendations.
Meridian Supply Co.
Manufacturing · Portland, OR
Credit Score
742
Risk Grade
A-
D&B Rating
2A2
AI Recommendation: Approve
Strong financials, excellent payment history across 3 trade references. Suggested limit: $225,000 at Net 45.
Risk assessment completed
Today, 2:14 PM
Trade references verified (3/3)
Today, 1:48 PM
Credit bureau data pulled
Today, 11:22 AM
Application submitted via digital form
Today, 10:05 AM
Automated collections that move cash faster
Lunica proactively manages receivables before invoices go past due. It confirms receipt, verifies correctness, and follows up automatically at the right moments.
Pending
$842K
↓12%Collected
$2.1M
↑24%Avg Days
18
↓5dApex Corp
INV-2024-0892
$45,000
Due in 5 days
Nova LLC
INV-2024-0891
$12,500
Auto-reminder sent
Zenith Inc
INV-2024-0890
$78,200
Payment confirmed
Disputes handled automatically, with full context
When a dispute happens, Lunica detects it immediately and brings the full picture into view — past short payments, likely root causes, and how similar issues were resolved.
Short Payment - Apex Corp
INV-2024-0892 • $5,200 underpaid
-$5,200
AI ANALYSIS
Likely cause: Missing freight charges. Similar dispute resolved in Q3 with credit memo adjustment.
RESOLUTION TIMELINE
Proactive outreach that prevents problems
Lunica reaches out early to confirm invoice receipt and accuracy, reducing friction before payments are due. When intervention is needed, you step in with full context.
Nova LLC
Tier 1 Customer • 3yr relationship
AUTOMATED SEQUENCE
Invoice confirmation sent
Day -7
Payment reminder
Day -3
Due date check-in
Day 0
Follow-up if needed
Day +3
Know exactly what's happening across every account
Lunica gives credit managers a live, centralized view of every account — from credit application status to outstanding receivables — without hopping between tools.
Let automation handle the busywork. Focus on what matters.
Credit and collections teams shouldn't spend their time chasing invoices, processing applications manually, or digging through systems for context. Lunica handles everything from credit onboarding to collections — monitoring your A/R aging, automating routine actions, and surfacing the issues that require human judgment.
Faster Payments
Proactively manage receivables before invoices go past due. Confirm receipt, verify correctness, and follow up automatically.
Less Revenue Leakage
Detect disputes immediately with full context. Connect the dots across past payments, root causes, and resolution history.
Stronger Relationships
Reach out early to confirm invoice accuracy. When intervention is needed, step in with full context and clarity.
Talk to Lunica
Call our AI agent to experience how Lunica handles collections conversations.
Built to make credit managers more effective
Lunica isn't a replacement for your expertise — it's an unlock. By removing manual, repetitive work and giving you a clear, real-time view of every account, Lunica helps you manage risk, protect revenue, and get paid faster.