Inventory Financing Technology for Banks
The operational gaps slowing down inventory financing for banks
Unclear Drawing Power
Fragmented inventory records, manual validations, and periodic submissions slow credit and bank’s ability to refresh limits based on changing inventory positions.
Fragmented Inventory Tracking
Limited comprehensive view of stock across SKUs, locations, warehouses, logistics movements, and warehouse receipts.
High Corporate DIO
Need from corporate clients for financing structures that help reduce Days Inventory Outstanding and unlock liquidity from stock.
A configurable inventory financing technology platform for banks
Buyer and Supplier Mapping
Map buyers, sellers, suppliers, and counterparties to the relevant financing program.
Program Configuration
Define program level settings for inventory checks, validation, document automation, payment flows, reconciliation, and approval workflows.
Role Based Access
Manage maker checker controls, user roles, and permissions across bank teams, corporate users, suppliers, and program stakeholders.
Approval Workflows
Create configurable approval paths for order validation, inventory checks, document review, financing requests, and reconciliation.
Drawing Power Calculation
Support rule-based calculation of how much a corporate client can draw against eligible inventory.
Inventory Eligibility Rules
Configure eligibility based on material category, SKU, location, stock ageing, warehouse receipt status, and bank approved financing rules.
Advance Rate Configuration
Set advance rates, margins, sub limits, and program level controls based on bank credit policy.
Limit Monitoring
Track utilised and available limits across corporate clients, programs, counterparties, and inventory pools.
Inventory Data Capture
Consume inventory data from ERP, VMS, WMS, Excel uploads, and other configured channels.
Material Configuration
Add material categories, codes, HSN codes, SKU level details, and other inventory attributes.
Stock Movement Visibility
Track movement of inventory between TradeCo, seller, buyer, warehouse, and logistics partners.
Warehouse Receipt Based Workflows
Support visibility into warehouse receipt information where financing is linked to stored inventory.
ERP Integration
Integrate with corporate ERP systems for order, invoice, inventory, accounting, and reconciliation data.
VMS Integration
Connect with vendor management systems for supplier management and order placement workflows.
WMS Integration
Integrate with warehouse management systems to support visibility into stock, storage, and logistics processes.
Multi-Level Integrations
Support integrations across buyers, sellers, warehouses, logistics providers, and financier systems.
Partnerships that power the working capital ecosystem
Built on deep enterprise and financial institution relationships, a strong ecosystem of partners, and proven impact at scale.
Insights on Working Capital, Trade Finance and Digital Lending
Discover CredAble's Solution Suite for Banks
Get Clarity on How We Empower Businesses.
An inventory financing technology platform helps banks digitise the workflows required to offer inventory financing to corporate clients. It supports programme configuration, inventory data capture, drawing power calculation, stock visibility, warehouse receipt workflows, approvals, reconciliation, and reporting.
CredAble provides a white labelled technology platform that banks can use to configure and manage inventory financing programmes.
Drawing power calculation helps determine how much a corporate client can borrow based on eligible inventory, applicable margins, advance rates, limits, and bank defined rules. CredAble’s platform supports configurable workflows to calculate and monitor drawing power based on inventory data.
Yes. CredAble’s inventory financing platform can be configured as a white labelled technology platform for banks, allowing them to offer inventory financing under their own brand while using CredAble’s digital infrastructure.