Thor
Thor is a web-based trade credit and accounts receivable platform for wholesale distributors.
What Thor is
Thor is a web-based trade credit and accounts receivable platform for wholesale distributors. It combines branded, self-serve credit applications with electronic signatures and automated bank and trade-reference checks. Its risk algorithm produces a 0-100 score and a recommended credit limit without requiring a credit bureau, while continuous monitoring refreshes recommendations weekly. Collections tools send escalating email sequences, rank worklists by dollars at stake and risk, and track promises and disputes automatically. Thor lists ERP connections including NetSuite, DDI Advantive, QuickBooks, Acumatica, Zoho, Odoo, and Dynamics 365, plus dozens more. Outlook integration sends credit and collections messages through a connected Microsoft 365 mailbox using OAuth consent. Every account includes integration, onboarding, training, and a dedicated four-week go-live plan. The listed One plan costs $350 a month, billed at a flat $350 monthly, and includes up to two users.
Good
- Branded online credit applications
- 0-100 risk scores and recommended limits
- Weekly recommended-limit refreshes
- ERP and Outlook integrations
- Onboarding and training included
Watch out
- $350 a month
- One plan includes up to two users
- Thor is not a credit bureau or collection agency
- Business use requires users aged 18 or older
Who it suits
Thor is intended for wholesale distributors managing customer credit and receivables. It suits business users who need application workflows, risk monitoring, and collections in one service.
Verdict
Thor brings credit intake, account monitoring, and collections together for distributor operations. Its single paid plan and stated decision-support limitation should be considered before adoption.
Plans and prices
From Thor's own pricing page, checked 1 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| One plan | $350 a month | Credit Applications · Risk Monitoring · Collections · Free onboarding and training · $350 flat per month, includes up to 2 users |
The facts
Each one read from Thor's own pages, with the date it was checked.
What it does
- Collections
- Thor sends escalating email sequences, prioritizes worklists by dollars at stake and risk, and tracks promises and disputes automatically.checked 1 Oct 2026
- Data policy
- Thor says it does not sell personal information or use Microsoft Graph data to train generalized advertising models or serve third-party ads.checked 1 Oct 2026
- ERP integrations
- Thor lists NetSuite, DDI Advantive, QuickBooks, Acumatica, Zoho, Odoo, Dynamics 365, and dozens more ERP connections.checked 1 Oct 2026
- Intended users
- The service is intended for business use, and users must be at least 18 years old and able to form a binding contract.checked 1 Oct 2026
- Microsoft integration
- Thor's Outlook integration lets teams send credit and collections email from a connected Microsoft 365 mailbox through Microsoft's OAuth consent flow.checked 1 Oct 2026
- Onboarding
- Every account includes free integration, onboarding, training, and a dedicated go-live plan delivered in four weeks.checked 1 Oct 2026
- Product scope
- Thor is a trade credit and accounts receivable platform for wholesale distributors, combining credit applications, risk monitoring, and collections.checked 1 Oct 2026
- Risk monitoring
- Thor continuously monitors every account and refreshes recommended credit limits weekly.checked 1 Oct 2026
- Risk scoring
- Thor's proprietary risk algorithm returns a 0-100 risk score and recommended credit limit without requiring a credit bureau.checked 1 Oct 2026
- Security
- Thor says it uses encryption in transit, access controls, and least-privilege access to production systems.checked 1 Oct 2026
- Service limitation
- Thor states that its credit scores, recommended limits, and risk alerts support customer decisions and that Thor is not a consumer reporting agency, credit bureau, law firm, or collection agency.checked 1 Oct 2026
- Support
- Thor offers guided onboarding and ongoing support from people who understand trade credit and distributor operations.checked 1 Oct 2026
Where it runs
- Credit applications
- Thor provides branded, self-serve online credit applications with electronic signatures and automated bank and trade reference checks.checked 1 Oct 2026
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