Credit & collections management

Take back control of your Credit Management

Stop jumping between ERPs, Outlook, and messy spreadsheets. Onguard is the purpose-built credit management platform that gives your finance team one unified cockpit for collections, disputes, and reporting. We turn scattered data into clear action.

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Credit & collections management

Your ERP wasn't built for this.

Most finance teams are running credit management across three or four systems that were never designed to talk to each other. SAP or Microsoft Dynamics, for financial data. Outlook for debtor communication. Excel for ageing analysis and payment arrangements. PowerBI for reporting.

It works, until it doesn't. A debtor slips through because the flag was in the wrong spreadsheet. A payment arrangement gets missed because it lives in someone's inbox. A new acquisition means a second ERP, and suddenly there's no unified view of anything.

Credit managers deserve a tool built for exactly this job. Not an afterthought bolted onto an ERP.

Built for credit managers, by people who've lived it.

Onguard is purpose-built credit management software: a dedicated platform that sits above your existing systems and turns scattered data into clear action.
Here's what that looks like in practice.

One cockpit for everything

Every debtor, invoice, payment arrangement, dispute, and communication in a single workspace. Your team stops switching between systems and starts actually managing credit. Customers have told us their collectors barely needed to open SAP to do their work.

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An AI layer on your communication

Debtor emails don't sit in Outlook anymore. They come into Onguard, where AI labels each message by sentiment, categorises it, and suggests a next action — before the credit manager even opens it. Full communication history, searchable, in the same screen.

See how AI mailbox works

Change your own workflows. No external IT consultants needed.

Add a dunning step, update a letter template, adjust a trigger — done in minutes, by the credit manager. No routing it to a support team. No waiting. No dependency on a consultant for every small change. This is the thing customers tell us they miss most when they leave

See workflow self-service

Works with any ERP (or several at once)

Onguard connects to SAP, Microsoft Dynamics 365, Exact, AFAS, and others simultaneously. If you've grown through acquisition and now run two ERPs in two countries, Onguard gives you one view across all of it. No data warehouse. No manual consolidation.

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Your portfolio grows. Your team doesn't have to

The same four people can manage a portfolio five times the size. Because Onguard automates the routine and surfaces only what needs a human decision.

→ See how scalability works

Here's what credit teams say after switching to Onguard

Don't take our word for it.

"When you’re dealing with thousands of contracts, scattered across countries and business lines, you need full visibility. Using ERP for collections means less overview across cases and more manual effort to track progress. Instead, Onguard provides a centralised tool for all our activities. We can plan our next actions, track progress, store documents, and everything we need in order to collect our payment."

Wilco Sikkema

Head of Collection & Recovery BeNe for BNP Paribas Leasing Solutions

"In CreditManager you can adjust things much faster yourself, and SAP didn’t give us that flexibility. On top of that, we had already had good experiences with Onguard, which made the choice easier."

Koen Vanhorenbeke,

Head of Accounting at Wereldhave Belgium.

"Thanks to Onguard's smart solution and the effective communication of their consultants, we now only see the notifications that truly matter. The system works more efficiently, the team has more time left over, and we can focus on what is important."

Eric Swartjes

creditmanager at Soprema NL

What credit teams see within the first 90 days.

20%

Reduction in Days Sales Outstanding

60%

Less time spent on manual collections

20%

Reduction in total overdue amount

100%

Better customer relations

Frequently asked questions

What is credit management software?

Credit management software helps finance teams manage the full order-to-cash process — from sending invoices and tracking payment behaviour to automating collections, handling disputes, and forecasting cash flow. It sits above an ERP and gives credit managers a dedicated workspace for everything their ERP doesn't handle well.

Is Onguard a replacement for an ERP?

No. Onguard connects to your existing ERP (SAP, Dynamics, Exact, AFAS, and others) and builds a credit management layer on top of it. Your ERP handles your financial records. Onguard handles everything your credit team needs to actually collect: communication, workflows, disputes, reporting, and debtor-level insight.

Can Onguard work with multiple ERPs at the same time?

Yes, and this is one of the main reasons multinationals choose Onguard. If your company runs SAP,in one country and Dynamicsin another (common after acquisitions), Onguard integrates with both simultaneously, giving you a unified view of your entire accounts receivable portfolio.

How is Onguard different from using ERP collections modules?

ERP collections modules are built around invoices. Onguard is built around relationships: debtors, holdings, guarantors, and subsidiaries. It triggers the right action for each debtor on the exact day it's needed, based on their specific situation. A debtor with an active payment arrangement won't receive the same dunning letter as a confirmed non-payer. An ERP batch run treats them identically.

Does Onguard require IT support to configure?

For initial https://www.onguard.com/onboarding/" target="_blank">implementation, yes. Onguard consultants set up the platform together with your team. After that, credit managers can adjust workflows, update letter templates, and change process rules themselves, without raising an IT ticket or involving a consultant. This self-service capability is what customers consistently name as one of the biggest practical differences.

How long does implementation take?

Implementation timelines vary depending on the complexity of your ERP landscape and the number of entities involved. Onguard's consultants manage the process end-to-end. Most customers see a measurable impact on DSO within the first quarter.

What is accounts receivable automation?

Accounts receivable (AR) automation replaces manual follow-up tasks (sending reminders, tracking payment promises, escalating overdue invoices) with automated workflows that trigger based on each debtor's situation. The goal is to reduce the time credit teams spend on routine tasks so they can focus on cases that genuinely need attention.

Ready to get your invoices paid faster?

See how Onguard works for finance teams at companies like yours.

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