Resources
Guides and checklists for credit teams.
Practical breakdowns of credit decisioning, risk monitoring, and collections — no gated forms, just the thinking behind how Thor is built.
ChecklistThe Credit Application Audit Checklist
What a defensible, consistent credit approval process should include — use it to see how your current process holds up.
Get the checklist
GuideHow Should You Actually Determine a Credit Limit?
A practical breakdown of the inputs that should go into a credit decision — and why gut-feel limits tend to fail in one of two costly directions.
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GuideWhen to Escalate: A Collections Cadence Playbook
How to structure escalating outreach by days delinquent — and where automation should take over from a phone call.
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Guide5 Early Warning Signs an Account Is About to Go Delinquent
The subtle payment and behavior shifts that show up weeks before an account misses a payment — and how to act on them before they hit your aging report.
Read the guide