to do transparency-based ABL
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Billion € of collateral
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warehouse locations
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million of different products
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daily data streams
Embracing transparency is a new way of thinking.
All stakeholders are looking at the same thing.
Embracing transparency is a new way of thinking. All stakeholders are looking at the same thing.
Finterface integrates seamlessly with borrowers' ERP / WMS to supercharge its platform with real-time data.
Finterface integrates seamlessly with borrowers' ERP / WMS to supercharge its platform with real-time data.
The 3 key features that enable you to do transparency-based lending
Our powerful credit agreement mapping tool, guided by our Risk & Reporting team, lets you enter the details of your credit agreement into the data platform.
The waterfall method excludes collateral, ineligible warehouses and products, advance rate deductions, retention of title and other reservations, step-by-step.
• Granular borrowing base calculations: By analyzing collateral at the SKU level, we enable unprecedented lending flexibility & accuracy.
• Daily calculations enable you to get a better grip on the collaboration between lender and customer.
• The borrower has viewing rights to this calculation. This helps them transparently understand how the lender makes financing decision
Finterface empowers lenders to stay ahead of potential risks.
Our KRI’s system provides:
• Instant alerts: automatic notifications when critical thresholds are breached
• Efficient risk assessment: smart risk scoring that guides deeper investigation
• Human consultancy: Finterface advisors help you set this up
The risk score aggregates data from multiple sources—inventory, invoices, and general ledger—giving risk managers a quick, comprehensive view of potential lending risks.
Detect changes early, act decisively.
Finterface transforms complex data analysis for asset-based lending:
• Instant visualization: generate comprehensive graphs with a single click
• Seamless reporting: create and share detailed reports effortlessly
• Trend analysis: look at trends over time via Finterface evolution reports
Whether triggered by risk indicators or at the deal's outset, our deep dive tools provide risk managers with powerful, user-friendly insights to make informed lending decisions.
The 3 key features that enable you to do transparency-based lending
Our powerful credit agreement mapping tool, guided by our Risk & Reporting team, lets you enter the details of your credit agreement into the data platform.
The waterfall method excludes collateral, ineligible warehouses and products, advance rate deductions, retention of title and other reservations, step-by-step.
• Granular borrowing base calculations: By analyzing collateral at the SKU level, we enable unprecedented lending flexibility & accuracy.
• Daily calculations enable you to get a better grip on the collaboration between lender and customer.
• The borrower has viewing rights to this calculation. This helps them transparently understand how the lender makes financing decision
Finterface empowers lenders to stay ahead of potential risks.
Our KRI’s system provides:
• Instant alerts: automatic notifications when critical thresholds are breached
• Efficient risk assessment: smart risk scoring that guides deeper investigation
• Human consultancy: Finterface advisors help you set this up
The risk score aggregates data from multiple sources—inventory, invoices, and general ledger—giving risk managers a quick, comprehensive view of potential lending risks.
Detect changes early, act decisively.
Finterface transforms complex data analysis for asset-based lending:
• Instant visualization: generate comprehensive graphs with a single click
• Seamless reporting: create and share detailed reports effortlessly
• Trend analysis: look at trends over time via Finterface evolution reports
Whether triggered by risk indicators or at the deal's outset, our deep dive tools provide risk managers with powerful, user-friendly insights to make informed lending decisions.
Switching from spreadsheets to the Finterface data platform has helped us de-risk our portfolio, while enabling us to provide more transparency for our borrowers.
Martijn Witvoet
Managing Director, Head of Asset Valuation
ABN Amro Asset Based Finance
ABN Amro Asset Based Finance
Finterface has helped us to further enhance our risk management processes, improve operational efficiency, and enable us to provide further support for our existing commercial borrowers with additional finance solutions.
Sarah Barker
Managing Director – Structured Finance
DF Capital
DF Capital
FAQ
Lenders utilize the Finterface data platform to monitor borrowers’ assets such as inventory and invoices. Both lender and borrower have access to the same information and calculations. This creates transparency and helps borrowers understand how lenders make financing decisions.
Finterface makes data collection effortless and fully automated. Using our Finterface platform, we establish secure connections to the borrower’s systems—such as accounting software, ERP systems, or warehouse management tools. These connections allow Finterface to automatically import the required data at pre-agreed times with both parties, streamlining the process for both the lender and borrower.
With this data, Finterface not only calculates the loan amount for the agreed each day but also enables powerful analytics for both borrowers and lenders. Importantly, the borrower always retains full control over their data. They can review what information has been accessed and when, and even revoke authorization to access their systems at any time.
By automating data collection and keeping borrowers in charge, Finterface ensures a seamless and secure experience for everyone involved.
The onboarding usually takes place in six steps.
- Finterface organizes an intake meeting with the borrower.
- Technical connection to the borrower’s systems is established. This requires minimal technical capacity on the borrower side.
- Finterface arranges the data streams so that the correct information is loaded.
- The borrower checks that the company’s data is correctly displayed.
- The information is released to the lender.
- The lender, together with Finterface, configures the credit agreement on the platform and the process is complete.
At Finterface, safeguarding sensitive data is our top priority. Our platform uses secure, encrypted connections to link directly with the borrower’s systems, such as accounting software, ERP systems, or warehouse management tools. These secure links ensure that data is transferred safely and only at the pre-agreed times.
Finterface employs advanced security protocols to protect the data during every step of the process, from extraction to storage. Borrowers always remain in control of their information. They can monitor what data has been accessed, review retrieval times, and even withdraw authorization to access their systems at any time.
By combining robust encryption, secure connections, and borrower-controlled access, Finterface provides a trusted solution for managing large volumes of confidential data with confidence.
We make it our business to be able to connect with any modern ERP system or WMS, both cloud-based and on-premise. For many ERP systems we have existing templates to connect. In the case where a new ERP system is encountered, Finterface requires a bit more time to onboard that specific borrower and create a connection template. Finterface reserves time in every development sprint in order to facilitate this with high priority.
Yes, many of them do at first. It is crucial for lenders to tackle this topic proactively with all borrowers and show them what are the benefits for them. Borrowers are often looking for transparency that Finterface can offer them. Aside from that, borrowers are happy that you reduce their administrative burden of not having to fill in spreadsheets all the time.
Yes, we can connect in various ways. Finterface can retrieve and/or send data via an API.
Lenders being the agents in a club deal can opt to provide a view-only login for club deal members. This creates more transparency and trust in doing deals together.
Finterface employees typically assist with setting up the contract in the data platform, ensuring it aligns with the credit agreement between the lender and borrower. There is a four-eyed principal workflow built into the platform, ensuring that everything is reviewed by both the lender and Finterface before changes are made.
Data plausibility checks are performed continuously. Finterface gathers the borrower data at night. Automated plausibility checks are being performed at that time. Every morning, a Finterface employee checks all of the new data. If an inconsistency is found, this employee contacts the borrower to verify the data and sends a report about it to the lender.
Finterface has a team of consultants that help lenders adopt a new way of working, going from spreadsheets to a professional data platform. They can help with regular training on the platform and upskill your frontline workers to become data analysts.
Interested in getting to know Finterface better?
Interested in getting to know Finterface better?
Contact
📍Reduitlaan 46, 4814 DC Breda
☎️ +31 (0) 85 303 73 00
✉️ info@finterface.tech
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