Risk Monitoring
Know about trouble before it hits your aging report.
Thor watches every account you've extended terms to — continuously, not just at signup — and catches the subtle payment shifts that bureaus and AR reports miss, while there's still time to act.
See how it worksThis week’s recommended limit
Why Thor Risk Monitoring
Continuous
Every account watched all the time, not just the large ones you can afford to bureau-monitor.
Thin-file aware
Only a small share of companies report to bureaus at all. Thor's scoring works on every account, bureau file or not.
Always current
A weekly-refreshed credit limit recommendation for every account — not a one-time decision from months ago.
Sub-feature breakdown
Everything you need to keep watching after approval.
Always-on monitoring, full book
Every account is watched continuously — payment behavior and credit profile alike — not just the accounts big enough to justify bureau monitoring cost.
Catches what bureaus and AR reports miss
Detects the subtle, specific signals that come before a real problem: broken promises to pay, creeping credit-limit utilization, DSO drifting on a single account.
One place for everything on an account
Bureau pull history, weekly risk classification updates, internal ERP payment trends, and external signals — legal proceedings, company expansion or contraction — all in one record.
A weekly-refreshed number, not a guess
Every account gets a standing, always-current credit limit recommendation, with actionable alerts specifically flagging limits that need review.
How It Works
From full-book monitoring to a weekly recommendation.
Thor watches continuously
Every account on your book is monitored — payment behavior, bureau signals where available, and public/legal records — not just the ones you'd normally afford to track.
Signals get scored, weekly
Thor combines internal payment trends with external data into a refreshed risk classification and recommended credit limit for every account, every week.
You get told what needs a look
Actionable alerts surface only the accounts where a limit actually needs review — not noise on everything that moved slightly.
The differentiator
Most B2B accounts are thin-file. Thor doesn't need them not to be.
Only a small share of companies report to credit bureaus — meaning most of a distributor's book is inherently thin-file, whether or not the account is “small.” Bureau monitoring simply isn't built to cover the majority of who you actually sell to. Thor's own scoring watches the one signal that exists for every customer regardless of bureau file depth: how they're actually paying you.
Proof
What changes once Thor is live.
- Catch deterioration while recovery odds are still high — not after it's a write-off
- Full-book coverage, not just top accounts
- Effective on thin-file and newer accounts
- Lower bad debt from catching problems before they’re visible anywhere else
Explore more
The rest of the credit lifecycle.
One platform across the entire credit lifecycle.
See Thor on your accounts.