Inventory finance — lend against the pallet we hold
Stage 7 · Platform Engines
P2Future Platform
Four-Lane View
Software Function
- ›Financeable-inventory engine: eligibility, advance rates, LTV by SKU velocity/perishability ($31.4M of $52.4M held) Collateral truth from Stage 5: perpetual counts, condition photos, custody chain — audit-grade by construction Draw/repay workflow tied to outbound shipments (goods leave → loan repays)
Service Provider / Admin
- ›Credit committee runs the book in the SPV; warehouse ops enforces collateral holds automatically Partner-capital rails first (asset-based lenders), balance sheet later
User — Driver / IOO
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Customer — Client / FF / NVOCC
- ›Working capital against inventory sitting in our building — 30 seconds to apply, because we already CLIENT/FF/NVOCC verify the collateral daily Cheaper than factoring receivables or MCA debt; the CFO reason to consolidate into our warehouses
Software Function
- ›Financeable-inventory engine: eligibility, advance rates, LTV by SKU velocity/perishability ($31.4M of $52.4M held) Collateral truth from Stage 5: perpetual counts, condition photos, custody chain — audit-grade by construction Draw/repay workflow tied to outbound shipments (goods leave → loan repays)
Competitors
SAP/Oracle (describe inventory, can’t lend), banks/ABL (loathe inventory collateral they can’t see), fintech inventory lenders (no custody)
Differentiation
Lenders fear inventory because they can’t verify it. We count it, photograph it, move it, and control the doors — the only lender whose collateral can’t walk away unseen.
Make It Better
$26M/yr at scale from a product that requires zero new assets — just underwriting the truth our warehouse already generates. Anchor tenants who borrow don’t churn.