Your ERP doesn't know a truck turned over. Your customers do.
Credit management in transport & logistics
In transport and logistics, disputes aren't about money. They're about missing documents, damaged cargo, and blocked invoices; problems your ERP was never built to solve. Onguard is the credit management cockpit that bridges your financial systems and the operational floor. So your team stops hunting for proof of delivery and starts managing cashflow.
In a nutshell
Onguard is a purpose-built credit management platform used by transport and logistics companies across the Netherlands and Belgium to automate collections, manage freight disputes, and protect working capital. Where ERP systems (SAP, Oracle, etc.) are blind to proof of delivery documents, damage reports, and customs paperwork, Onguard acts as a central API-driven cockpit, pulling operational data from logistics systems on demand and giving credit managers a single screen to resolve disputes and drive collections. Transport and logistics companies using Onguard typically reduce DSO by 30%, cut collections costs by 15–30%, and manage higher invoice volumes without adding headcount. Onguard has 33 years of domain expertise in receivables management and an average client retention of more than 10 years.
Your choice is the same as theirs
One €10 scratch. One €100,000 invoice on hold. One day of searching.
Why transport collections break down
A forklift clips a box. One customer flags damage and puts a €100,000 invoice on hold. Your credit manager now needs the proof of delivery, the damage report, and the customs paperwork, spread across your TMS, WMS, customs platform, ERP, and someone's email inbox.
The search takes a full day. At 2-3% margins, that day may cost more than the profit on the invoice.
In transport and logistics, the collections problem is rarely about inability to pay. It is about operational disputes that nobody can close fast enough, because the documentation is scattered across five systems that do not talk to each other. Your ERP cannot retrieve a POD, process a damage report, or flag that nineteen other customers' cargo was on the same overturned truck.
Onguard can.
Credit management in transport is a document problem (more than a collections problem)
Road freight, forwarding, and warehousing:
Road freight, forwarding, and warehousing each have different profiles, but the same underlying challenge.
- Road freight: high volumes, 2–3% margins, disputes about damage and missing signatures. A 30-day payment delay on a €50,000 invoice costs real money when there is no buffer.
- Forwarding: customs clearance cycles delay invoice generation by 30–45 days after goods ship. Your ERP has no concept of "invoice-pending-until-customs-clearance" — so your collection workflow fires at the wrong moment by default.
- Warehousing: damage logged by your warehouse staff needs to reach the debtor dossier directly — not travel via email chain between ops and finance, arriving days late and out of context.
What all three have in common: the credit manager's biggest time sink is not following up on overdue invoices. It's finding the supporting documentation to resolve why the invoice is overdue.
The ERP records the debt. Onguard resolves it.
Stop managing five systems. Start managing cashflow.
What Onguard does for transport & logistics credit teams
Onguard connects your financial data and operational reality in one workspace above your ERP.
- Every document. One screen. No searching.
PODs, damage reports, customs certificates pulled on demand from your TMS, WMS, and customs platform directly into the debtor dossier. No data warehouse. No system switching. The conversation moves from "still looking" to "resolving." - Conditional workflows that match operational reality
Onguard rulebooks adapt to what's happening on the floor. Import flag red? Route differently. Nineteen customers on the same overturned truck? Pause all nineteen processes. Ship still in port? The workflow waits. No IT involvement. - The operational floor, connected to finance
Warehouse managers and planners log damage photos and confirm delivery status directly into the dossier via a minimal login. That input triggers the next collection step automatically. - One invoice, one issue
A damaged line item should not block an entire invoice. Onguard handles partial disputes natively, logging the contested line and keeping the rest of the invoice in the normal collections flow.
30% shorter DSO. 15-30% lower collection costs. Same team.
Measurable results in logistics
Onguard customers in transport and logistics report measurable, concrete improvements to their credit management operations.
These numbers hold in logistics because the gains are structural. You are not marginally improving a process. You are replacing a fragmented, document-hunting operation with a connected, automated cockpit.
At thin margins, the difference is not a percentage improvement. It is the difference between a profitable operation and one that is not.
30%
shorter DSO: fuelling working capital at exactly the right point in your cash cycle.
15–30%
savings on cost of collections: fewer manual hours, fewer system searches, more automated resolution.
13%
increase in sales revenue: faster dispute resolution keeps customer relationships healthy and repeat business on track.
>10
years average client retention: because credit managers who use Onguard do not want to go back.
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Onguard + ERP= Better together
How Onguard works with your ERP
Onguard is not a replacement for your ERP. It is powered by it.
Your SAP, Oracle, Microsoft Dynamics system remains the financial record of truth. Every transaction, every invoice, every payment recorded there, as it should be. Onguard connects to that data and builds the credit management layer on top of it: the workflows, the dispute management, the document retrieval, the communication history, the dashboards that your ERP was never designed to provide.
We win where the ERP stops.
The ERP stops at the invoice. Onguard starts there and takes you all the way to payment: navigating disputes, documentation gaps, operational complexity, and customer communication along the route.
What you gain by combining both:
| What your ERP does | What Onguard adds |
|---|---|
| Records invoices and payments | Manages disputes, documents, and communication |
| Sends standard dunning letters | Runs conditional, self-adjusting collection workflows |
| Shows aging reports | Provides real-time dashboards and portfolio prioritisation |
| Requires IT for any workflow change | Gives credit teams full self-reliance |
| Has no connection to the operational floor | Connects to TMS, WMS, customs platforms via API |
30 minutes, no slides
See it in practice
A demo takes 30 minutes. In that time, we will show you exactly how Onguard connects to your ERP and logistics systems, how disputes are managed in a single dossier, and what your credit team's working day looks like when the document hunting stops.
A live walkthrough calibrated to how transport and logistics credit management actually works.
Frequently Asked Questions - Credit management for transport & logistics
How does Onguard handle POD (proof of delivery) disputes in road freight operations?
Onguard connects to your logistics systems via API (including TMS, WMS, and customs platforms) and retrieves proof of delivery documents, damage reports, and shipping certificates directly into the debtor dossier. When a customer raises a dispute, your credit manager can access the relevant documentation from a single screen without logging into separate systems. This cuts the average dispute resolution time significantly and removes the "document hunting" that costs credit teams hours per week.
We use SAP as our ERP. Do we need to replace it to use Onguard?
No — and we would never recommend that. Onguard is designed to work with SAP, not instead of it. Your SAP system remains the financial record of truth. Onguard connects to it, reads the relevant financial data, and builds the credit management layer on top: automated workflows, dispute management, communication history, and real-time dashboards. The two systems are better together. Onguard wins where SAP stops — specifically in document retrieval, conditional workflow logic, and the connection between your financial data and the operational floor.
Our invoices in forwarding are only generated weeks after goods have shipped. Can Onguard handle non-standard invoice timing?
Yes. Onguard's rulebook engine supports conditional workflow logic that accounts for operational realities like delayed invoice generation in international forwarding. You can configure workflows to start at the right moment in the payment cycle — not at a fixed number of days after invoice date. This is not possible in a standard ERP credit module without expensive customisation.
Can our warehouse managers or planners use Onguard to log disputes or damage reports directly?
Yes. Onguard supports what we call decentral live users — a minimal login for operational staff that allows them to log damage photos, flag delivery issues, or confirm delivery status directly into the debtor dossier. This input immediately triggers the next step in the collection workflow. The credit manager receives the information in real time without needing to chase the operations team for it.
We have multiple legal entities across the Netherlands and Belgium. How does Onguard manage multi-entity collections?
Onguard is specifically designed for multi-entity environments. You can manage separate legal entities from a single cockpit, with entity-specific templates, communication styles, and workflow configurations. When a group customer has invoices across multiple entities, Onguard can consolidate communication at the group level or maintain entity-level separation — based on your operational preference and customer relationship structure.
What is the typical implementation time for a transport or logistics company?
Implementation timelines depend on the number of ERP integrations, logistics system connections, and workflow complexity. A typical mid-market logistics company with one primary ERP and two to three logistics system integrations can expect to be operational within a few months. Our implementation team includes consultants with hands-on experience in transport and logistics credit management — not generalist system integrators. That domain knowledge reduces the time spent explaining your business and increases the time spent building the right configuration.
How does Onguard differ from the credit management module built into our ERP?
ERP credit modules are designed for generic financial processes. They send reminders at fixed intervals and record payment status. They have no awareness of your operational floor, they cannot retrieve a POD, route a dispute to the right internal owner, or pause a collection workflow when nineteen customers share a disrupted shipment. Onguard is purpose-built for credit management: dispute resolution, document retrieval, conditional workflow logic, real-time portfolio dashboards, and self-service configuration without IT involvement. The result is that your credit team operates like experts, not like people manually compensating for what their financial software cannot do.
Does Onguard integrate with TMS and WMS platforms?
Onguard uses an API-first integration model that connects to transport management systems and warehouse management systems to retrieve operational data on demand. Specific integration availability depends on the platforms in your environment. Our implementation team will conduct a technical discovery as part of the onboarding process. The goal is always the same: documents and operational context available in the debtor dossier, without building or maintaining a separate data warehouse.