Finrack

The Inventory-based Financing Solution

An innovative alternative to finance your business

Finrack is a unique alternative financing solution in Europe, enabling companies to unlock cash from their inventories, without incurring debt.

Thanks to a digitalized approach , Finrack facilitates access to flexible financing tailored to the needs of SMEs and mid-caps , while optimizing their working capital requirements (WCR) .

How does Finrack work?

A simple and fast process

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Inventory assessment

Based on the seller’s data and a physical audit , Finrack determines the fundable amount .
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Sales & Buy Back

Ownership of the stock is temporarily transferred to a Finrack financing vehicle.

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Unrestricted use

Your inventory remains on-site, and your business continues operating as usual.

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Progressive replenishment

Each withdrawal is replaced by an item of equivalent value.

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Inventory buyback

At contract end, ownership of the inventories is returned to you after resale at the original price .

Why choose Finrack

Unlike business loans or traditional financing, Finrack does not create debt and allows you to improve your financial balance sheet . This maintains privileged access to other sources of financing.

Direct connection to your inventory management system allows dynamic tracking and adjustment financing according to the real needs of your business.

  • Adapted to seasonal variations and market dynamics.
  • Scalable financing based on inventory value and volume.
  • Compatible with your existing financial partners .

Finrack offers controlled costs , with clearly defined fees, adapted to your financing capacity and the value of your financeable stock.

Who can benefit from Finrack work?

Companies with recurring cash needs to support growth.
Jeune pousse verte poussant dans une poignée de pièces de monnaie / Green seedling sprouting from a handful of coins
Companies holding significant inventory and seeking working capital optimization.
Employé d’entrepôt tenant une tablette au milieu des rayonnages / Warehouse worker holding a tablet among storage racks
Private Funds Equity looking for non-dilutive financing solutions.
Poignée de main entre deux professionnels au bureau / Handshake between two professionals at a desk

Funding sequence

01
Data analysis and audit
02

Offer signature

03
Financing validation
and setup
04
Ongoing monitoring
and adjustment

Need at least €250,000 in financing?

Contact us today to find out how Finrack can finance your business with your inventory!