Trade credit platform
Trade credit and AR built for wholesale distributors
Make fast, accurate credit decisions and get paid faster by the accounts that slip behind — credit applications, risk monitoring, and collections in one system wired to your ERP.
- No bureau required
- ERP-connected
- Free onboarding included
01 · Approve
Risk score · No bureau required
02 · Monitor
This week’s recommended limit
03 · Collect
Today’s worklist · ranked by risk & dollars at stake
Less time chasing credit decisions. More time closing sales.
One platform. The entire credit-to-cash lifecycle.
Credit applications, risk monitoring, and collections — connected in one system, so your team stops juggling spreadsheets, bureau logins, and inbox reminders, and starts operating with one accurate picture of every account.
Risk score · No bureau required
Approve the right customers, at the right limit
Replace paper applications and gut-call decisions with a branded online application, automated reference checks, and Thor’s own risk score.
- Digital, self-serve application with e-sign
- Automated bank & trade reference checks
- No bureau required — proprietary risk scoring
This week’s recommended limit
Know about trouble before it hits your aging report
Thor watches every account continuously — not just at signup — and catches subtle payment shifts before they become write-offs.
- Full-book coverage, including thin-file accounts
- Weekly-refreshed credit limit recommendations
- Actionable alerts, not noise
Today’s worklist · ranked by risk & dollars at stake
Get paid faster — without chasing every invoice by hand
Automated, risk-aware collections that escalate on their own, so nothing slips through the cracks and your team only steps in when it counts.
- Escalating email sequences by days delinquent
- Worklists prioritized by dollars at stake and risk
- Promises and disputes tracked automatically
The Thor difference
One risk engine. No bureau required.
Most credit tools assume you already have a bureau relationship — and charge you every time you use it. Thor's proprietary risk scoring works without one, which means every account gets covered, not just the ones with a credit history.
Learn more- Scores thin-file and newer accounts bureau-based tools can't
- No bureau contract or per-pull fees
- The same score powers your credit decision, your monitoring, and your collections priority — one number, one system
Results
Built to move the numbers that matter
Why Thor
Built for how distributors actually operate
Right-sized decisions
Confidence to extend credit and win more sales, without the risk of a bad account.
Always current
Risk isn't a one-time decision. Every account stays monitored and every limit stays accurate.
Keep the relationship
Customers deal with you at every step — never routed through a factor, insurer, or agency.
Support
Support that understands trade credit
Implementation and ongoing support from a team that already knows how distributors extend and manage credit — not a generic help desk.
- Guided onboarding to get your accounts, terms, and ERP connection set up correctly
- Support from people who understand credit, not just software
- Here as your book and your team grow
Adapts to your vertical
Built for your industry
One platform for every distributor — the risk factors, terms, and customer relationships look different by industry, and Thor is built to reflect that.
One-click connections
Works with the ERP you already use
Thor syncs directly with your accounting system — no duplicate data entry, no reconciliation headaches.
FAQ
Common questions
Trade credit software helps distributors and other B2B sellers make credit decisions, monitor outstanding accounts, and collect on overdue invoices — replacing manual credit applications, ad-hoc bureau pulls, and spreadsheet-based aging reports with one connected system.