Harbr - Modern Trade Credit
Harbr · Productivity · Chatbot
Harbr is an AI-powered trade credit onboarding platform that automates B2B credit applications, trade references and approvals for teams that extend credit.
About Harbr - Modern Trade Credit
What Is Harbr
Harbr is a credit onboarding orchestration platform built for companies that extend trade credit every day. That means industrial supply, manufacturing, wholesale distribution, building materials, logistics, packaging, equipment rental and similar B2B businesses.
The product replaces a fragmented, inbox-driven process. So why does that matter? Because every application that arrives incomplete turns into days of follow-up: reminder emails, missing signatures, trade references chased by phone, and eventually six slightly different versions of the same PDF sitting in an inbox. Instead of emailing a PDF application, chasing signatures, calling references and rekeying data into an ERP, Harbr moves the whole thing behind one secure link.
The core idea is simple: collect everything up front, run every check automatically, then push the approved result into your system. Harbr says customers see approvals roughly 73% faster with a single customer touchpoint and zero reminder emails sent by their team. Treat that figure as the vendor's own claim rather than an independent benchmark.
The limits matter too. Harbr is demo-led, so there's no visible self-serve signup or public price sheet. You need an ERP to sync into, and the simulated-data demo won't tell you how it behaves against your real customer mix.
Getting Started
- Book a demo on the Harbr site. There's no public self-serve trial, so a walkthrough with the team is the normal entry point.
- Run the interactive assessment, which uses simulated data and needs no setup.
- Map your workflow. Harbr is positioned as fitting your process rather than forcing a fixed one, and it connects to your ERP.
- Send a customer a single secure link to start a live application.
- Let verification, credit reports, references, AML screening and internal approvals run, then confirm the approval syncs back to your ERP.
Product Information
A quick look at Harbr - Modern Trade Credit's pricing, supported platforms, and performance.
Best for
The users, tasks, and scenarios where this tool fits best.
Users
- Credit and AR teams at B2B distributors
- Finance managers approving credit limits
- Sales and onboarding staff
Tasks
- Collecting credit applications
- Verifying trade references
- Pulling business and credit data
- Running AML and KYC screening
- Syncing approvals to an ERP
Scenarios
- Onboarding a new wholesale account
- Reducing reminder-email load
- Standing up a repeatable credit workflow
- Handling applications during peak season
Key features
One Secure Application Link
Harbr starts every application with a single link the customer opens once. Collect everything up front, and the second follow-up email never happens. No missing signature. No document that arrived two weeks late. That's the whole point of the link.
Automated Verification and Credit Checks
Business verification, credit bureau pulls, banking verification and trade reference requests are triggered automatically as part of the flow, which means your credit team reviews a prepared result instead of spending the morning assembling one from emailed attachments and phone notes.
AML and KYC Screening Built In
Screening runs inside onboarding rather than as a separate queue that sits waiting for someone in compliance to open a ticket. That placement matters: compliance checks happen before the decision, so an approval doesn't get delayed by a step somebody forgot to route correctly.
ERP Sync on Approval
Once an application clears, the approved limit and its supporting details sync straight to your ERP without anyone copying figures between a spreadsheet, an email thread and the finance system. That removes the rekeying step that turns a five-minute decision into a day of data entry.
Recommended Approvals With Limits
Harbr packages the checks into a recommended decision, such as an approve outcome with a suggested credit limit attached to it. Reviewers see the reasoning behind that number instead of a pile of raw documents they have to interpret on their own.
Workflow That Adapts to You
The platform is built to take your existing credit workflow rather than impose a rigid one. Internal approval steps and thresholds stay where your team already wants them, so you're not rewriting your credit policy to fit a tool.
Pros and cons
Pros
- Cuts the manual follow-up that defines most B2B credit onboarding, especially chasing trade references and missing signatures.
- Bundles verification, credit reports, banking checks and AML screening into one automated flow. Instead of your team triggering each check by hand and waiting on separate vendors and spreadsheets, the platform fires every step in sequence and hands reviewers a single prepared file to work from.
- Syncs approved decisions to an ERP, so approved limits don't need rekeying by hand. That sounds minor until you count the hours a credit team burns every week copying the same customer numbers between a spreadsheet, an email thread and the finance system.
- Works with your existing workflow, and the interactive demo runs on simulated data with no setup.
- No customer account required on the applicant side, which lowers friction for the customer.
Cons
- Pricing isn't public. You have to talk to sales to get a quote, which slows comparison shopping.
- No self-serve signup or free tier, so you can't test it against real applications without a demo.
- The headline speed figure is the vendor's own claim, and there's no independent benchmark to check it against.
- Value depends on an ERP integration, so companies without one won't get the full benefit.
Frequently asked questions
It automates trade credit onboarding, the process of turning a B2B credit application into an approved credit limit. That covers collecting the application, running checks and syncing the result to your ERP.
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