Our credit management solution


Dunning refers to the process of methodically communicating with customers to ensure the collection of accounts receivable.

It is important to settle outstanding invoices as soon as possible, but not at the expense of the relationship with the customer. Onguard’s credit management solution, CreditManager, allows you to segment your customers based on their attributes and behaviour. This saves time, so you can focus on the exceptions and value-adding activities. You can also easily investigate and resolve complaints through the same platform.

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Overview for each financial administration
or consolidates several financial administrations. For example, it provides a summary of agenda items, DSO and ageing.
Cashflow forecasting

Cashflow forecasting

Provides more insight and control over the cashflow and working capital for your organisation
Prognoses, history and corrected prognoses of your cashflow based on existing data.
Performance screen

Performance screen

Displays the internal and external KPI's
compared to the desired target.
Credit scoring

Credit scoring

Score is calculated that provides insight into the risk of the debtor.
The risk score is determined on the basis of a number of defined parameters. They may be both internal and external parameters.
Debtor cockpit

Debtor cockpit

Relevant key data and a complete financial overview.
each debtor is accessible in the debtors cockpit immediately.


Standard access is gained to more than 50 reports, providing insight at various levels.
If there is any need for additional reports, Onguard can provide them or the user can generate them him-/herself, after completing the correct training.
Customer segmentation

Customer segmentation

Categorisation per customer type each with its own workflow.
For example on key accounts, international customers or debtors with greater risk.
Email functionality

Email functionality

Send emails to your customers straight out of our system
See communication history with your customers. Send files with attachments like a copy invoice.

Your benefits

Process optimisation

Gain control over your processes

Focus on exceptions and customer relationships

Reduce DSO

Customer segmentation

Cashflow forecasting

Increase customer satisfaction

Cloud based solution

Integrated with all major ERP-platforms

Customer Segmentation

Categorise and segment your customers based on type, each with their own personalised workflow. For example:
  • Key accounts
  • International clients
  • Debtors who are high risk

Flawless integration with our other order-to-cash solutions

Risk ManagementCash AllocationCollection
  • You can import data from our risk management solution, PolicyManager into our dunning solution CreditManager as part of the daily import procedure.
  • CreditManager also supports real-time credit risk data through API’s that connect with our Credit Risk partners.
  • CreditManager displays information from our partners, based on advanced data analytics as additional debtor information, as part of the credit score formula.
  • By monitoring possible risk threats, users can be informed pro-actively and dunning procedures can be adjusted to minimize the risks.
Read more about our solution PolicyManager
  • Payments processed in MatchMaker are immediately visible in CreditManager and these payments will be dismissed from future action.
  • Only new invoices are read instead of the whole database every day. This is convenient if invoicing takes place on multiple systems
  • The journal entry made by MatchMaker can be made on ledger level or debtor level in the main software package (ERP) to guarantee the match
  • Information from CreditManager enhances the logic used in the automatic matching process within MatchMaker
  • CreditManager provides additional information so that MatchMaker can create more accurate suggestions for  manual matching
  • Extra information shared between MatchMaker to CreditManager improves the logic used in the workflows
Read more about our solution MatchMaker
  • Transfer outstanding invoices directly to the collection agency via web services - a file will then be created automatically
  • You can directly add new invoices to the file
  • Work is logged from Collector and can also be seen in the CreditManager logbook
  • The collection agency can also request copy invoices
  • The collection agency can also create a task in CreditManager so that a CreditManager user can provide additional information or respond to a request
Read more about our solution Collector
Download our Credit management factsheet  


The Marketplace provides an overview of add-on modules that improve and accelerate your order-to-cash process. Through increased integration, the user benefits from additional data exchange and near real-time status information - for example, pending payments, remittance advice and updated dossier information from the collection agency. Onguard CreditManager Marketplace

Technical Highlights

  • Database - Microsoft SQL Server 2008 and higher
  • Webclients - ASP.Net
  • Reporting - Microsoft Reporting Services
  • Letters - Word / PDF / HTML / XML
  • E-mail - SMTP or Outlook
  • Development method - Scrum
  • Implementation - Prince2
Watch a short demo of CreditManager

Easy Integration

Our credit management tool, CreditManager, is easily integrated into your corporate environment or existing ERP system.  Our cloud solution offers you great advantages:
  • Offers access to your workload and/or administrations, anywhere, anytime;
  • Allows you to focus on your core activities and no extra pressure on your internal IT department;
  • Access to efficient support by our support desk;
  • Offers maximum security
Moreover, this default software is highly configurable, thus keeping our solutions flexible even in complex situations.
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