What is a business review
A business review is a structured due diligence questionnaire that Debitura uses to verify the legitimacy and business practices of creditors on the platform. It is part of Debitura's AML (Anti-Money Laundering) and KYC (Know Your Customer) compliance process.
When a review is initiated, you receive an email with a reference number (formatted as BR-2026-0001 or similar), a 7-day deadline to respond, and a link to the submission form. The form is also accessible from Settings > Business Reviews in your Debitura account.
Only users with the Admin role can view and submit business reviews. If you do not have the Admin role, ask your account administrator to complete it.
Why Debitura initiates business reviews
Debitura initiates business reviews for three reasons:
AML compliance - ensuring Debitura has documented understanding of each creditor's business activities
Collection partner context - providing the collection partners who work your cases with richer background information about your business
Platform integrity - identifying and blocking accounts that do not meet Debitura's standards
Reviews may be initiated manually by a Debitura administrator, or automatically when your account's case volume crosses a predefined threshold.
How the review process works
A business review progresses through a defined set of statuses. The following table shows each status and what it means for you.
Status | What it means |
Pending | The review has been initiated. You have 7 calendar days to complete and submit the questionnaire. |
Submitted | You submitted the form. Debitura is reviewing your answers. |
Under Review | A Debitura administrator has opened your submission for assessment. |
Follow-Up Requested | The reviewer needs additional information. You will receive an email with specific questions and a new 7-day deadline. |
Follow-Up Submitted | You responded to the follow-up. Debitura is reviewing your response. |
Approved | Your review is complete. No further action is required. |
Declined | The review was declined. Your account will be blocked from submitting new cases. See account blocked troubleshooting for next steps. |
Expired | The deadline passed without a response. Your account may be blocked from submitting new cases. |
Only one active review can exist per account at a time. Once a review reaches a terminal status (Approved, Declined, or Expired), a new review may be initiated in the future.
What the questionnaire covers
The form contains 12 questions across four sections. Four questions are required (marked with an asterisk); the rest are optional.
Section | Topics covered |
Business Overview | Products and services, typical transaction size, operating regions |
Customer Onboarding | Customer signup process, terms and conditions, contract process |
Billing and Payment | Invoicing process, standard payment terms, debt collection trigger |
Compliance and Documentation | Contract maintenance, identity verification, dispute resolution |
The required fields are: Products and Services, Invoicing Process, Standard Payment Terms, and Debt Collection Trigger.
You can also attach supporting documents (contracts, invoice templates, company registration, and other files). Accepted formats include PDF, DOC, DOCX, XLS, XLSX, JPG, PNG, TXT, ZIP, CSV, and EML. The maximum file size is 25 MB per file.
The form is submitted once as a single operation. You cannot partially save or re-submit your answers after submission.
For step-by-step instructions on completing the form, see Clients: Complete a business review.
Follow-up rounds
If the reviewer needs more information before making a decision, they may request a follow-up. When this happens:
You receive an email with the reviewer's specific questions
You have 7 calendar days to respond
You can write a response (up to 5,000 characters) and attach additional documents
Your previously submitted answers are shown read-only for reference
Multiple follow-up rounds are possible. Each round is tracked separately, and all previous rounds are displayed in chronological order on the review detail page.
Deadlines and reminders
You have 7 calendar days to respond to both the initial review request and each follow-up round. A reminder email is sent 3 days before the deadline if you have not yet responded.
If the deadline passes without a response, the review expires. Expired reviews may result in your account being blocked from submitting new cases.
What happens if you do not respond
If a review is declined or expires without a response, Debitura may block your account. An account block prevents you from submitting new cases through any channel, including the Debitura portal, API, and integrations. Cases that are already in progress are not affected and continue normally.
For full details on what a block means, how it affects your account, and how to resolve it, see Clients: Your account is blocked - causes and next steps.
Email notifications you will receive
Debitura sends email notifications at key points during the review process. All emails go to the office email address on file and all users with the Admin role for your account.
When | What you receive |
Review initiated | Introduction to the review, reference number, and 7-day deadline |
3 days before deadline | Reminder that the deadline is approaching (sent once per review) |
Follow-up requested | The reviewer's questions and a new 7-day deadline |
Review approved | Confirmation that the review is complete |
Review declined | The reason for decline |
Review expired | Notification that the deadline passed, and whether your account was blocked |
Where to find your reviews
All your business reviews are listed at Settings > Business Reviews in your Debitura account. The list shows each review's reference number, status, deadline, and creation date. You can open any review to see the full detail page, including submitted answers, uploaded files, follow-up history, and the event timeline.