From digital credit applications and right-sized credit limits to credit risk monitoring and collection automation — Thor gives wholesale and distribution companies one system for the entire credit-to-cash cycle.
Built for distributors managing trade credit at scale
Why Thor
Most distributors carry hundreds or thousands of active accounts — many of them thin-file. Thor scales credit management across the full book without adding credit headcount.
Trade credit in wholesale distribution is full of accounts bureaus barely know. Thor sets defensible credit limits with proprietary scoring — no bureau contract or per-pull fees.
Digital credit applications, credit risk monitoring, and collection automation share one risk score — so credit management stays consistent from the first sale through collections.
Capabilities
Less juggling between credit apps, bureau logins, and aging reports — more control over credit limits, risk, and cash collection.
Replace paper credit apps, email PDFs, and gut-call approvals with a branded digital credit application. Thor scores every applicant, recommends a credit limit, and records the decision — so wholesale distributors stop losing orders to competitors who can approve terms same-day.
Learn about digital credit applications
A credit limit set at onboarding goes stale fast in wholesale distribution. Thor runs credit risk monitoring on every account — payment drift, rising utilization, broken promises — and refreshes recommended credit limits weekly so problems surface before they hit your aging report.
Learn about credit risk monitoring
When invoices slip past terms, generic dunning damages relationships built over years of repeat orders. Thor handles collection automation — escalating reminders, aging statements, and prioritized worklists — so your AR team focuses on accounts that need a conversation, not every open balance.
Learn about collection automationOne platform
Most AR software tracks invoices. Thor connects digital credit applications, credit risk monitoring, and collection automation on one risk engine — so the credit limit you set at approval is the same signal driving monitoring alerts and collections priority months later.
Results
Explore more
The same credit management platform — tuned to how your industry extends terms and collects.
FAQ
AR software for wholesale distributors combines credit management, receivables visibility, and collections in one system. Thor connects digital credit applications, credit risk monitoring, and collection automation — so credit limits, payment behavior, and past-due outreach run on the same data instead of separate spreadsheets, ERP aging exports, and inbox reminders.
Book a free demo and we'll walk through credit limits, credit risk monitoring, and collection automation on your book.
