Freedom251 › Credit Management Software
Thor
What Thor is
Thor is a web-based trade credit and accounts receivable platform for wholesale distributors. It combines branded, self-serve credit applications, account risk monitoring, and collections. Applications support electronic signatures plus automated bank and trade reference checks. Thor’s proprietary algorithm returns a 0–100 risk score and recommended credit limit without requiring a credit bureau, then monitors accounts continuously and refreshes recommendations weekly. Collections tools send escalating email sequences, prioritize worklists by dollars at stake and risk, and track promises and disputes automatically. Listed ERP connections include NetSuite, DDI Advantive, QuickBooks, Acumatica, Zoho, Odoo, and Dynamics 365, among others. Outlook integration sends credit and collections email through a connected Microsoft 365 mailbox using OAuth consent. Every account includes integration, onboarding, training, and a dedicated four-week go-live plan. The single plan costs $350 a month, includes up to two users, and provides ongoing support.
Who it suits
Thor is intended for wholesale distributors handling trade credit and receivables. It suits business teams needing applications, risk controls, collections workflows, and ERP connections in one web service.
What it does well
- 0–100 risk scoring and credit limits
- Continuous monitoring with weekly refreshes
- Automated collections worklists and tracking
- Connections to many ERP systems
- Onboarding and training included
What to know first
- Web platform only
- No free plan
- $350 a month
- Supports decisions but is not a credit bureau
Limits
The One plan includes up to two users and costs $350 a month. There is no free plan.
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| One plan | $350 flat per month, includes up to 2 users · Credit Applications · Risk Monitoring · Collections · Free onboarding and training | $350 a month |
As jointhor.com lists them, read 1 Oct 2026. The maker's own page has the final word.
Getting started
- Open the Thor website
- Choose the One plan at $350 a month
- Connect your ERP or accounting system
- Connect a Microsoft 365 mailbox through Microsoft OAuth
- Use the included integration and onboarding
- Complete training and the four-week go-live plan
Verdict
Thor brings credit applications, risk monitoring, and collections into a distributor-focused workflow with integrations and guided onboarding. Review the two-user allowance and service limitations against your organization’s process.
Questions
How much does Thor cost?
The One plan costs $350 a month, billed at a flat $350 monthly.
Is there a free plan?
No. Thor is offered as a paid service.
Which platforms does Thor support?
Thor is available on the web.
What does the plan include?
The plan includes up to two users, credit applications, risk monitoring, collections, free onboarding, and training.
Which integrations are available?
Thor lists NetSuite, DDI Advantive, QuickBooks, Acumatica, Zoho, Odoo, Dynamics 365, and dozens of additional ERP connections. Outlook integration works with a connected Microsoft 365 mailbox through Microsoft’s OAuth consent flow.
Who is Thor designed for?
Thor is intended for business use by wholesale distributors. Users must be at least 18 and able to form a binding contract.
Facts from Thor's own pages
- Collections
- Thor sends escalating email sequences, prioritizes worklists by dollars at stake and risk, and tracks promises and disputes automatically. · jointhor.com, 1 Oct 2026
- Credit applications
- Thor provides branded, self-serve online credit applications with electronic signatures and automated bank and trade reference checks. · jointhor.com, 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. · jointhor.com, 1 Oct 2026
- ERP integrations
- Thor lists NetSuite, DDI Advantive, QuickBooks, Acumatica, Zoho, Odoo, Dynamics 365, and dozens more ERP connections. · jointhor.com, 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. · jointhor.com, 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. · jointhor.com, 1 Oct 2026
- Onboarding
- Every account includes free integration, onboarding, training, and a dedicated go-live plan delivered in four weeks. · jointhor.com, 1 Oct 2026
- Product scope
- Thor is a trade credit and accounts receivable platform for wholesale distributors, combining credit applications, risk monitoring, and collections. · jointhor.com, 1 Oct 2026
- Risk monitoring
- Thor continuously monitors every account and refreshes recommended credit limits weekly. · jointhor.com, 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. · jointhor.com, 1 Oct 2026
- Security
- Thor says it uses encryption in transit, access controls, and least-privilege access to production systems. · jointhor.com, 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. · jointhor.com, 1 Oct 2026
- Support
- Thor offers guided onboarding and ongoing support from people who understand trade credit and distributor operations. · jointhor.com, 1 Oct 2026
Where Thor stands on Freedom251
- Credit Management Software#22 of 26