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 with no duplicate data entry and 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.