Finrack provides inventory-based financing that lets businesses unlock up to 80% of their stock's value without moving or disrupting their inventory. The company connects directly to clients' inventory management systems for fast, flexible funding over renewable 12-month periods, adapting to seasonal variations. Finrack's model eliminates lengthy collateral procedures while keeping stock accessible and operations uninterrupted.
- Financial Technology
- Software Only
Funding
Founders
Product
Problem
Traditional asset-based lending often requires lengthy collateral procedures, physical inventory inspections, and rigid structures that disrupt business operations. Many companies with valuable stock assets struggle to access fast, flexible financing that adapts to seasonal inventory fluctuations, limiting their cash flow optimization and growth potential.
Solution
Finrack offers an inventory-based financing solution that unlocks the value of stock assets without impacting daily operations. The company takes transfer of ownership of inventories while the physical stock remains in the business's premises or at their logistics provider, allowing uninterrupted management. Finrack connects directly to the client's inventory management system for rapid financing decisions, eliminating traditional collateral procedures. Businesses can access financing up to 80% of their inventory value over renewable 12-month periods, with the flexibility to adapt to seasonal variations. At the end of the contract, clients regain ownership of their stock at the original price, maintaining overall inventory value through replenishment throughout the term.
Target Audience
Primary customers are small to mid-sized businesses in Europe that hold significant inventory assets and need working capital financing of at least €250,000 to optimize cash flow and support growth.
Features
- Direct integration with client inventory management systems for fast financing decisions
- Financing up to 80% of stock value held in warehouses or at logistics providers
- Renewable 12-month financing periods adapted to seasonal inventory variations
- Transfer of ownership structure that keeps physical inventory in place and accessible
- No lengthy collateral procedures or operational constraints
- End-of-contract stock repurchase at original price