LABEST makes inventories financially viable
Transparent. Flexible. Valuable.
With digital risk monitoring from tied-up capital to internal source of liquidity!
Ongoing monitoring of inventories
Digital recording of credit-relevant portfolio information and transparent, financing-oriented mapping on the interactive monitoring interface.
Valuation at current market prices
Regularly researched current market prices of financed stock items via independent marketplaces, showing relevant trends and marketability.
Detailed notifications
Tracking of financing-relevant changes by means of detailed, configurable notifications on the user interface and by e-mail.
countries in Europe
integrated warehouse locations
different articles in monitoring
LABEST – Partner for demand-driven inventory financing
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Stocks: Spurned by banks…
Billions of dollars of capital tied up in the warehouses of merchants and manufacturers are not accepted as loan collateral by lenders due to the lack of transparency of warehouses, and related loan requests are generally rejected.
No insight into current warehouse data
Statement on inventory values, cluster risks, etc. not possible
No current market valuation
Lack of overview of competition and market price development
Only time-delayed response possible
Reports are made subsequently, e.g. quarterly via Excel file.
…made FINANCEABLE by LABEST
LABEST supports you to use the potential of your warehouse. Through our software and process solutions, we create the necessary transparency to make inventories financeable as loan collateral.
Always current inventory value
Changes and risks directly identifiable
Positioning in reference market
Comparison with the scope and pricing of the competition
Information immediately available
Notifications and reporting available anytime
BUSINESS CASE: Inventory financing in the e-mobility sector
A well-known, steadily growing provider for the rental and sale of new and used e-bikes needs financing to invest in further growth. As collateral for the loan, the company would like to contribute its inventory, tied-up capital in the seven-digit range.
The challenge
Warehouses are a black box for most banks: Goods receipts and issues, changes in purchasing and market prices, storage periods, and “slow-moving items” cannot be identified promptly on the basis of standard reporting. The risk of a drop in the value of the stock and thus of the loan collateral was too high for the credit institutions approached. They rejected the e-bike stock as loan collateral.
The solution
The e-bike provider decided to collaborate with LABEST. The fast and uncomplicated connection of the warehouse system to the LABEST monitoring platform made it possible to create the transparency necessary for lending:
- Inventory changes are recorded continuously
- Market prices from independent marketplaces supplement stock data
- Detailed alerts enable targeted monitoring of credit-relevant parameters and key figures
- Extensive history and reports significantly reduce effort for necessary reports
Together with our financing partner Maturus Finance GmbH, LABEST thus set up dynamic merchandise financing for the retailer that is oriented to business development.
Inventory monitoring with LABEST
LABEST relies on its certified monitoring solution to establish inventories as sustainable loan collateral. Whether via interface or file import, LABEST connects your inventory management system at short notice, thus creating the valuation basis for initial assessment and inventory financing.
Extensive functions provide financiers and borrowers with an up-to-date insight into the development of the inventory. The high level of transparency not only ensures acceptance as loan collateral, but also enables dynamic, needs-based adjustment of portfolio financing.
Core functions of LABEST Monitoring
Monitoring of stock levels
Valuation with market prices
Comprehensive notifications
Detailed reports and history
Multilingual application
Our expertise
We redefine relevant processes in inventory financing. We transform tied warehouse assets into loan collateral that can be valued. LABEST supports companies and financiers during the term of the portfolio financing, from the pre-assessment and ongoing monitoring to repayment (or even liquidation, should a loan default occur).
Preliminary check
We support the credit decision via a needs-based KYC process for assessing prospective borrowers and the inventories to be lent against. This includes among others
- Due Diligence
- Market price valuation of inventories
- Overall assessment of the credit application
Do you require financing? Visit our loan portal
Monitoring
LABEST connects the warehouse system/ERP of the credit customer to its monitoring platform. The inventory can thus be transparently evaluated for lenders. Goods movements or changes in purchase and sales prices are taken into account in real time when valuing the inventory as loan collateral.
- Dynamic, demand-based inventory financing possible
- Significant reduction of manual reporting effort
- Ongoing addition of current market prices
Monitoring
LABEST connects the warehouse system/ERP of the credit customer to its monitoring platform. The inventory can thus be transparently evaluated for lenders. Goods movements or changes in purchase and sales prices are taken into account in real time when valuing the inventory as loan collateral.
- Dynamic, demand-based inventory financing possible
- Significant reduction of manual reporting effort
- Ongoing addition of current market prices
Exploitation
In the event of a stock financing default, we will support the exploitation. The high data quality has a positive influence on potential value assessments.
Visit also our FAQ (Frequently Asked Questions)
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