inventory-based lending
Critical challenges with the spreadsheet-based workflow
Critical challenges with the spreadsheet-based workflow
A single AR for all inventory
Spreadsheets can’t keep up as businesses evolve and buyer behaviour shifts. With a fixed advance rate for all inventory, you risk underestimating changes like increased stock of lower NOLV items, putting borrowing base under pressure. Spreadsheets make it impossible to split advance rates based on different product lines.
Ageing calculations
Accurate ageing requires SKU-level precision, but spreadsheets make this nearly impossible. Instead, you’re stuck with aggregated data and arbitrary rules—like using the last stock group purchase date, whilst leaving your insights incomplete.
Warehouse locations
Borrowers can’t accurately report which warehouse holds specific inventory. This creates gaps, allowing some stock in excluded regions or in a third-party managed warehouses to slip through your controls.
Missing sales & margin data on a product level
Lenders assess risk based on a company’s financial health, stock levels, and NOLV. With detailed insights into product sales and margins, the credit committee could make more flexible, borrower-focused decisions.
Double financing risk from a misaligned invoices control
Spreadsheets often misalign invoice and inventory reporting timelines, creating blind spots where double financing goes undetected.
Manual accounting errors
Borrower accountants can make manual errors in both their systems and spreadsheets—that’s inevitable. The key is to minimize mistakes with automated data checks that flag unusual changes. Unfortunately, spreadsheets can't offer this level of control.
Lender frontline staff can make manual mistakes when manipulating a spreadsheet
Asset-based lenders are typically experienced individuals with many years under their belt. They all have at least one fat-finger and such horror stories with an employee making a mistake that had a big impact.
Turn your inventory-based lending into a growth engine with Finterface key features
Turn your inventory-based lending into a growth engine
with
Finterface key features
Borrowing base calculator based on the SKU level
Borrowing base calculator based on the SKU level
Key Risk Indicators signalling breached thresholds
Key Risk Indicators signalling breached thresholds
Risk scores that calculate the risk per borrower
Risk scores that calculate the risk per borrower
Deep dive analysis reports
Deep dive analysis reports
How can we make it work better?
How can we make it work better?
Revenue increase
We see a 10% increase in credit facilities when utilizing Finterface. With more accurate risk assessment, credit committees are also more likely to approve deals you'd otherwise pass on.
Revenue increase
We see a 10% increase in credit facilities when utilizing Finterface. With more accurate risk assessment, credit committees are also more likely to approve deals you'd otherwise pass on.
De-risking inventory strategy
More grip means you decrease your chances of something going wrong. If something does go wrong, you have more data, which enables valuators to accelerate their recovery process, leading to more money recovered.
De-risking inventory strategy
More grip means you decrease your chances of something going wrong. If something does go wrong, you have more data, which enables valuators to accelerate their recovery process, leading to more money recovered.
Efficiency
Customers report a 20% increase in efficiency of their frontline staff that assess risk with Finterface as opposed to a spreadsheet-based approach.
Efficiency
Customers report a 20% increase in efficiency of their frontline staff that assess risk with Finterface as opposed to a spreadsheet-based approach.
Let’s talk about how this would work for you
Let’s talk about how this would work for you
Contact
📍Reduitlaan 46, 4814 DC Breda
☎️ +31 (0) 85 303 73 00
✉️ info@finterface.tech
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