Inventory-based financing: your stock is working capital
Free up cash from your inventory without bank debt. From €250,000, your stock stays in your warehouse.
- Up to 80% of your inventory value
- No impact on your debt ratios
- Answer within the hour, no commitment
Companies that trust Finrack include Digigram, France Cake Tradition, Gilance, Maxilivres, Ninkasi and Ugigrip.
Cash from your stock, without the bank detour
Stock financing that turns your inventory into working capital and evolves with its value.
Fast and flexible financing
The amount follows the value of your inventory and adapts to seasonal peaks.
Complementary to your bank
No impact on your debt ratios. Your access to other sources of financing stays open.
No impact on your operations
Your inventory stays in place. Your management habits stay the same.
of inventory value, up to
renewable term
financing range
to get a first answer
Inventory financing in five steps
Finrack owns the stock during the contract. You keep running it.
Valuation
We assess and value your inventory with our proprietary models.
Transfer of ownership
Finrack buys the inventory. The goods stay in your warehouse.
Unconstrained use
You keep managing, selling and shipping your stock as usual.
Replenishment
You restock over time to keep the overall value.
Buy-back
At the end of the contract, you recover ownership at the original price.
Three questions, about one minute.
Two inventory financing offers, you choose
Same principle, sized to your needs.
Finrack
Scalable inventory financing for SMEs, renewable every 12 months.
- Up to 80% of your inventory value
- Stock in your warehouses or at your logistics provider
- Adapted to seasonal fluctuations
- Digital connection to your stock inventory, via ERP or WMS (required)
Finrack+
Premium inventory financing for SMEs and mid-caps covered by credit insurance, directly or through their group or shareholder.
- Backed by credit insurance
- Higher amounts for larger stocks
- Compatible with your existing financial partners
Opens the Finrack+ page with a short contact form.
A financing model unique in Europe
Built on the digitalization of inventory management.
- No pledge procedure on your inventory
- Direct digital connection to your ERP or WMS for fast financing
- Maximum flexibility, no operational constraints
If you hold stock, we can talk
Manufacturers, distributors and wholesalers across Europe.
Raw materials, spare parts, finished goods
Bakery, drinks and spirits, wholesalers
Consumer goods, appliances, furniture
Imaging, diagnostics, medical devices
Solar, wind, EV charging, hydrogen
LED, home automation, wiring
Furniture, toys, hygiene products
We adapt to many sectors. Ask us.
We finance most resellable, traceable stock.
Stock we have already financed
Breweries, bakeries, lighting and childcare brands: different sectors, one need for flexible cash.
Check your eligibility in about one minute.
Inventory financing, explained
Another question? Write to [email protected].
What is inventory-based financing?
Finrack buys your inventory and you buy it back at the end of the contract, at the original price. The goods stay in your warehouse the whole time, and you get cash now.
Is it a bank loan?
No. It has no impact on your debt ratios, so your bank lines stay available.
Inventory financing vs bank loan: what is the difference?
A bank loan adds debt to your balance sheet. With inventory financing, Finrack buys your stock and you buy it back at the original price at the end of the contract. There is no new debt, no impact on your debt ratios, and your bank lines stay available for other needs.
How much can I finance?
Up to 80% of your inventory value, from €250,000. With Finrack+, up to €3 million.
Which companies are eligible?
SMEs and mid-caps in Europe that hold resellable, traceable stock and need at least €250,000. Your inventory must be managed in an ERP or WMS, so we can connect to it digitally. Finrack+ also covers companies backed by credit insurance, directly or through their group or shareholder.
How long does the financing last?
12 months, renewable. The amount adapts to seasonal changes in your stock.
Where does my inventory stay?
In your own warehouses or at your logistics provider. You keep managing it as usual.
Do I need a digital inventory?
Yes. We need a digital connection to your stock inventory, usually through your ERP or WMS. It lets us value your stock and finance you fast.
How fast do I get an answer?
You get a first answer within the hour after you send the eligibility form. The form has three questions and takes about one minute.
Check your eligibility now, it takes about one minute.
A fintech built by fintech entrepreneurs
Finrack is a Brussels-based fintech that finances SMEs and mid-caps by buying their inventory, from €250k to €3M, while the goods stay in their warehouse. We are backed by a strong network of investors. We designed it to give businesses an agile, modern way to finance their cash flow and growth.
Optimize your cash flow and accelerate your growth
Three questions. An answer within the hour.