Microsoft Dynamic and credit management software: Better together
Microsoft Dynamics manages your financial data. Onguard turns that data into decisive collections action, without replacing a single system you trust.
The reality of using Microsoft Dynamics for collections
You chose Microsoft Dynamics because it works. Invoices are recorded. Payments come in. Customer records stay up to date. For financial administration, it does exactly what it should. The problem is what happens next, when your credit team needs to decide who to follow up with, how to prioritise 400 overdue invoices, and what to do about the dispute that has blocked payment for three weeks.
Dynamics 365 Finance & Operations and Business Central are powerful ERP platforms. But they were built to record financial events, not to orchestrate the collection process that follows. That gap (between what the system records and what your team needs to act on) is exactly where credit teams lose time, DSO rises, and cash flow becomes harder to predict.
Onguard connects directly to your Microsoft Dynamics environment and adds the collections layer that turns data into action. Your ERP stays in place. Your team gets one cockpit to work from.
where each one covers
What Microsoft Dynamics does - and where Onguard takes over
This is not about replacing Dynamics. It is about extending it where collections and cash flow management demand more than an ERP was ever designed to provide.
| Capability | Microsoft Dynamics | Onguard credit management software |
|---|---|---|
| Stores invoices and payments | ✅ | ✅ |
| One consolidated view across multiple Dynamics environments | ❌ | ✅ |
| Connects Business Central and F&O in one collections cockpit | ❌ | ✅ |
| Automates dunning and reminder workflows | Limited | ✅ |
| Prioritises debtors by payment behaviour, not just DSO | ❌ | ✅ |
| Tracks disputes and promises-to-pay in one place |
❌ | ✅ |
| Involves all the required parties in a dispute resolutions | ❌ | ✅ |
| Sends the right message to the right contact at the right time | Limited | ✅ |
| Real-time cash flow dashboards and collector performance insight | Reporting only | ✅ |
| AI-supported prioritisation of collections activities | ❌ | ✅ - Rolling out |
| Workflows for every exception (disputes, plans, escalations) | ❌ | ✅ |
| No need to switch between systems during collections | ❌ | ✅ |
| Pay-now links sent directly to customers | ❌ | ✅ |
The daily gap
3 questions your Microsoft Dynamic setup can not answer
Dynamics gives you the ledger. These are the questions your credit team is still asking every morning — and the answers are sitting in Excel, Outlook, and someone's notebook.
01. Which of my 600 overdue invoices needs attention right now?
Onguard: Surfaces the accounts that represent genuine risk today — based on payment behaviour patterns, broken promises-to-pay, and escalation signals your ERP cannot detect.
02. Which disputes are blocking payment right now — and for how long?
Onguard: Tracks every dispute — what it is, who owns it, what the status is, and how long it has been blocking payment. All parties are looped in. Nothing sits in a silo.
03. Who should I actually call today, and what should I say?
Onguard: Builds each collector's daily work queue automatically, with context: last contact, what was agreed, whether the promise was kept, and the next recommended action.
Multi-entity and multi-country
When your Dynamics environment is not just one Dynamics environment
Many mid-to-large organisations have not one Microsoft Dynamics deployment — they have several. A subsidiary on Business Central. The parent entity on F&O. A recent acquisition still on its legacy ERP. Each with its own chart of accounts, currency, collection process, and team.
For a credit manager trying to understand overall AR exposure across four countries, this creates an impossible task: there is no single screen. No shared priority queue. No consolidated dispute log. The work happens in spreadsheets built late on a Friday afternoon.
Onguard connects to all of them simultaneously. Every Dynamics instance, every entity, every country — pulled into one working environment where your credit team can set policies, prioritise accounts, and manage customer communication from a single cockpit. The ERP data stays where it is. The work happens in one place.
How integrations works
How Onguardconnects to Microsoft Dynamics
The integration is designed to require no disruption to your existing Dynamics setup. You keep your ERP exactly as it is. Onguard layers on top.
- Connect your Dynamics environment: Onguard connects to Dynamics 365 F&O, Business Central, or both simultaneously. Invoice data, payment records, and customer master data sync automatically. No manual export required.
- Enrich with thirtd-party sources: Add credit bureau data, payment behaviour history, external risk signals, and customer segmentation logic on top of what Dynamics holds — without touching the ERP configuration.
- Configure your collections workflows: Set dunning sequences, escalation rules, dispute workflows, and communication templates. Changes are made in Onguard — no external consultancy or ERP development work needed.
- Work from one cockpit:Your credit team sees one prioritised work queue, with full context on every debtor. Real-time dashboards show cash flow, dispute status, and collector performance across every entity and country.
What you gain
ERP and credit management software: what it means in practice
Your credit team sees one prioritised work queue, with full context on every debtor. Real-time dashboards show cash flow, dispute status, and collector performance across every entity and country.
Faster collections: Reduce time-to-contact on overdue invoices. Automated reminders go out at the right time through the right channel — without a collector manually triggering each one.
Lower DSO: Prioritise the accounts that genuinely move DSO. Stop spending time on low-risk invoices while high-risk accounts wait in a queue sorted by balance size.
Cash flow visibility: See which promises-to-pay are at risk, which disputes are building into cashflow blockers, and where your real exposure sits — before it affects your closing numbers.
Team efficiency: Handle more invoices, more customers, more complexity with the same headcount. One cockpit replaces four open tabs, two spreadsheets, and an Outlook folder called "chasing".
Customer experience Customers stop receiving reminders for invoices they already paid. Communication is timed correctly, personalised to the right contact, and consistent across all entities.
No IT project: Configuration changes — new workflows, updated logos, revised escalation rules — are made directly in Onguard. No Dynamics development tickets. No external consultancy required.
Who benefits most
Dynamics customers who add Onguard
Multi-entity finance teams: Managing AR across multiple Dynamics instances or subsidiaries with no consolidated view of exposure or collections status.
Credit managersstill in Excel: Teams who export Dynamics data weekly to prioritise collections — and spend more time building the list than acting on it.
Cross-border organisations Finance teams operating across different countries with different local collection processes, currencies, and communication standards.
Growing portfolios: Businesses where the debtor portfolio is growing faster than the team — and adding headcount is not the answer.
Frequently asked questions
Microsoft Dynamics and credit management software: common questions
Does Microsoft Dynamics have built-in credit management functionality?
Microsoft Dynamics 365 Finance & Operations includes basic credit limit management and some collections tracking features. Business Central offers limited collections workflow capability. Neither platform was designed to handle the full credit management process — including debtor prioritisation by payment behaviour, automated dunning across multiple entities, dispute tracking, or promises-to-pay management at scale. For organisations with large or complex debtor portfolios, this creates a gap that most teams fill with spreadsheets.
Can Onguard replace Microsoft Dynamics for AR management?
No — and it is not designed to. Onguard integrates with Microsoft Dynamics and works alongside it. Dynamics remains the system of record for invoices, payments, and financial data. Onguard adds the collections layer on top: workflows, prioritisation, customer communication, dispute management, and real-time dashboards. Your ERP data stays exactly where it is.
Does Onguard work with both Dynamics 365 F&O and Business Central?
Yes. Onguard integrates with both Dynamics 365 Finance & Operations and Business Central. For organisations running both environments — for example, a parent entity on F&O and subsidiaries on Business Central — Onguard can connect to all instances simultaneously and present a consolidated collections view across all of them.
How does adding credit management software reduce DSO for Dynamics users?
DSO falls when the right invoices get followed up at the right time. Dynamics shows you what is overdue. Onguard tells you which overdue accounts are genuinely at risk, automates the reminder sequence before accounts become a problem, and ensures disputes are resolved before they block payment for weeks. The combination of behavioural prioritisation and automated communication typically reduces DSO faster than manual collection processes — without adding headcount.
What does the Onguard integration with Microsoft Dynamics involve technically?
The integration is handled by Onguard and requires no changes to your Dynamics configuration. Invoice, payment, and customer data syncs automatically. Workflow configuration, communication templates, and escalation rules are all managed within Onguard — meaning changes can be made without development work or external consultancy. Most implementations do not require an IT project on the Dynamics side.
Is Microsoft Dynamics enough for collections management?
For small, simple debtor portfolios, Dynamics may cover basic collections needs. For organisations managing hundreds or thousands of invoices across multiple entities, countries, or business lines, Dynamics alone typically leads to manual workarounds: exported spreadsheets, Outlook tracking, and collections processes that vary by entity. Credit management software adds the structure, automation, and visibility that Dynamics was not designed to provide.
What is the difference between an ERP and credit management software?
An ERP,ERP — including Microsoft Dynamics — focuses on recording and administering financial transactions across the organisation. Credit management software focuses specifically on the accounts receivable and collections process: who to contact, when, with what message, how to handle disputes, and how to predict and improve cash flow. ERP shows what happened. Credit management software determines what happens next.
See how Onguard works with your Dynamics setup
Running Fusion Cloud, EBS, or a combination of both — Onguard gives your credit team one cockpit, one priority list, and a clear view of what needs to happen today.