Credit Workbench vs Onguard CreditManager

Credit Workbench lets customers submit credit applications online and creates an electronic record for each customer credit file. It is described as a trade credit management platform for finance organizations managing the customer-to-cash cycle. Plans include secure document collection, credit reference management, AI-assisted fraud detection and seven-year data retention. Basic provides one configurable credit form; Professional and Enterprise provide unlimited configurable forms. The product guide describes email-based signing requests with an audit trail and an E-SIGN-compliant electronic signature solution. The maker says SSL encryption protects data in transit and encryption at rest protects stored data. Applications can integrate with CRM or ERP systems, although the product page does not name specific connectors. The site lists a starting price of 125 /mo (annual); the Basic plan is $150 a month, billed monthly, with up to five company users and 20 data and signing requests per month. Professional costs $295 a month, billed monthly, for 10 company users and 300 requests per month. All plans begin with a free seven-day trial of Basic. The service is accessed on the web.

Onguard CreditManager is a cloud-based system for automating credit-management and collections work. Credit and finance teams can configure dunning workflows, segment customers, manage disputes and apply collection rules for subsidiaries. Credit scoring uses internal and external data, alongside cash-flow forecasts and performance indicators. Dashboards and an agenda provide near-real-time views of tasks, payments, KPIs, performance and risks. The Customer Portal lets customers view or download invoices, pay online, register payment notices, raise disputes and ask questions; it supports mobile devices and is available with CreditManager version 3.19 and later. Onguard says the service works with SAP, Oracle, Microsoft Dynamics and AS400, plus Marketplace APIs and web services. It runs on Microsoft Azure public cloud through a browser over HTTPS. Listed protections include TLS 1.2 or higher, single-tenant databases, a 99.8% uptime SLA and four-hour target recovery during business hours. Pricing is on request.