Thor
Thor: Broad credit and AR workflows in one paid plan for wholesale distributors. Ranked #10 of 26 in Credit Management Software by our editors (6.6/10); pricing: From $350/mo; best for SMBs wanting transparent, affordable credit operations.
At a glance
- Editor score6.6 / 10
- PricingFrom $350/mo
- Best forSMBs wanting transparent, affordable credit operations
- Free planNo
- Paid from$350/mo
- Risk scoringYes
- Facts checked20 Sep 2026
Where it wins
- Covers applications, scoring, limits, monitoring, collections and disputes
- Bureau-free 0-100 risk scoring with automated bank and trade checks
- Connects with major ERP, accounting and productivity systems
Where it doesn't
- Starts at $350 per month with no free plan
- The published plan supports up to two users
- Web access is the only listed platform
Our verdict on Thor
Thor is a business-to-business credit management and accounts receivable platform for wholesale distributors. It brings branded online credit applications, electronic signatures, bank and trade-reference checks, risk scoring, credit-limit recommendations, approval workflows, monitoring, collections, promise-to-pay tracking, and dispute management into one workspace. It is aimed at SMB credit and AR teams that need to manage customer onboarding, exposure, payment-risk signals, and overdue accounts without relying on a bureau for its proprietary 0-100 score.
Pricing is straightforward: the only listed Thor plan costs $350 per month, billed monthly, and supports up to two users. The plan includes Credit Applications, Risk Monitoring, Collections, and free onboarding and training. Its breadth makes the single-tier structure easier to evaluate than a multi-level package, especially for a small team that needs several connected credit processes. The trade-off is a meaningful recurring cost at the entry point, with no free plan and no lower-cost tier listed. Businesses seeking a lightweight credit-check tool may find Thor broader than necessary.
The standout capability is the connection between risk assessment and ongoing account management. Thor can recommend limits for applicants and existing accounts, maintain an approval pipeline with owners and aging visibility, refresh recommendations weekly, surface actionable alerts, and create risk-prioritized collections worklists with escalating email sequences. Integrations with NetSuite, DDI Advantive, QuickBooks, Acumatica, Zoho, Odoo, Dynamics 365, Microsoft 365, and Outlook support established finance workflows. Thor fits distributors wanting broad credit operations in a web product; teams needing more than two users or a platform beyond web access should consider alternatives with a different access model.
Thor pricing
Thor fact sheet
| Free plan | No |
|---|---|
| Paid from | $350/mo |
| Application workflow | Yes |
| Credit limit controls | Yes |
| Exposure monitoring | Yes |
| Risk scoring | Yes |
| Review workflows | Yes |
| ERP/accounting connectors | Yes |
| Deployment | Cloud |
| Platforms | Web |
| Built for | Small business, Mid-market, Enterprise (editorial estimate) |
| Integrations | 9 integrations: NetSuite, DDI Advantive, QuickBooks, Acumatica, Zoho, Odoo … |
| Pricing | From $350/mo (source) |
| Website | jointhor.com |
| Facts checked | 20 Sep 2026 |
Thor integrations
Thor lists 9 integrations on its own site.
- NetSuite
- DDI Advantive
- QuickBooks
- Acumatica
- Zoho
- Odoo
- Dynamics 365
- Microsoft 365
- Outlook
Alternatives to Thor
- Moody’s Trade CreditA broad credit operations suite for teams managing applications, exposure, risk, and collections.9.0
- Esker Credit ManagementA broad credit control suite for enterprises managing risk, limits, approvals, and orders.8.2
- CreditRiskMonitorBroad credit-risk intelligence with a free contribution-based entry plan.7.9
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Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026
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