From digital credit applications and right-sized credit limits to credit risk monitoring and collection automation — Thor gives surgical, lab, and healthcare supply distributors one system for the entire credit-to-cash cycle.
Built for distributors extending terms to clinics, ASCs, and healthcare facilities
Why Thor
Healthcare customers often pay slower than net terms suggest — reimbursement lag, not bad intent. Thor monitors payment drift so credit limits reflect reality, not wishful thinking.
Smaller clinics and physician groups rarely have deep bureau files. Thor sets defensible credit limits with proprietary credit management scoring — no bureau contract required.
Digital credit applications, credit risk monitoring, and collection automation share one risk score — so credit management stays consistent from the first order 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 packets and ad-hoc approvals with a branded digital credit application. Thor scores every applicant, recommends a credit limit, and records the reasoning — so medical supply distributors can onboard clinics and ASCs quickly without skipping the credit file your team needs.
Learn about digital credit applications
A practice that paid net-30 can drift to net-45 before anyone notices — especially across a large book of clinics and facilities. Thor runs credit risk monitoring on every account, flags utilization and DSO drift, and refreshes recommended credit limits weekly.
Learn about credit risk monitoring
Past-due outreach in healthcare has to be firm and professional — not generic dunning. Thor handles collection automation with escalating reminders, aging statements, and prioritized worklists, so your AR team steps in only when a clinic account actually needs a conversation.
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
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The same credit management platform — tuned to how your industry extends terms and collects.
FAQ
AR software for medical supply 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 and ERP aging exports.
Book a free demo and we'll walk through credit limits, credit risk monitoring, and collection automation on your book.
