A01
Industrial companies
Medium to small mid-cap importers, distributors and producers, with capital tied up in the operating cycle and none of the tooling large institutions take for granted.
What they get
A bankable proof of record.
Working capital · Custody · Collateral
Supply-chain resilience for a financially stronger future.
The capital tied up in your supply chain, made visible. Finbarrs is the working-capital infrastructure for medium to small mid-cap industrial importers, distributors, and producers.
The problem 01 · Context
Capital is locked in the operating cycle, and small mid-cap companies can't see it.
€1.3T
Trapped in the working capital of European companies.
~90 days
EU inventory sits longest in the developed world, vs ~69 in the US, ~63 in the UK.
Small mid-cap†
Higher tied-up share, lower visibility, and almost none of the tooling.
Capability
Corporates
Small mid-cap
Real-time liquidity visibility
Standard
Largely absent
Structured counterparty data
Standard
Largely absent
Working-capital financing tools
Mature
Almost none
Tools that banks and large corporates have used for decades are almost entirely absent from small mid-cap companies. Finbarrs closes that gap.
†Small mid-cap (SMC) is a new EU company category (250–749 employees and up to €150m turnover) created to bridge the gap between SMEs and large enterprises, with around 38,000 across the EU. Source: European Commission, “Small mid-caps” factsheet, Publications Office of the European Union, 2025.
Who we serve 02 · Audiences
One data foundation. Multiple stakeholders.
A02
Warehouses & industrial parks
The facilities that hold physical inventory in custody, and need what they store to count as collateral a lender will lend against.
What they get
Custody they can prove, and be paid for.
A03
Lenders
Credit and counterparty-risk teams who want collateral they can verify, not take on trust.
What they get
Verified title, with release against payment, not before.
The platform 03 · The record
A neutral custody record for physical inventory.
Finbarrs maintains one secure record of physical industrial inventory, and keeps it current as goods are pledged, transferred or released.
IndependentFinbarrs is independent of banks, insurers and industry incumbents. No counterparty owns the record, and that neutrality is exactly what lets every side rely on it.
What the record holds
Exists
What the inventory is: commodity, grade and quantity, evidenced and inspected.
Held
Where it sits: the terminal, tank or warehouse holding it in custody.
Controlled
Who controls it: the holder of record at this moment in time.
Status
And whether it is:
FreePledgedTransferredReleased
A reliable basis for:
Banks
Financing against collateral they can verify independently.
Insurers
Cover priced and audited on a record they can trust.
Buyers
Transfer and release of title against payment.
Sellers
Title they can mobilise without moving the goods.
The network 04 · Stakeholders
A receipt is only as good as the parties standing behind it.
Finbarrs sits between the depositor, the custodian, and the lender, structuring one record all three can rely on. These are the kinds of counterparties the pilot network is built around.
Depositor & holder of record
Nordland Commodities GmbH
Delivers the goods, holds title, and endorses the receipt to raise working capital against it.
Warehouse & physical storage facility
Maasvlakte Bulk Liquids B.V.
Holds the goods in constructive possession, issues the receipt, and re-seals it on each attestation.
Lender bank & treasury
Rheinkredit Handelsfinanz GmbH
Takes the receipt as collateral, reconciles it against the live record, and lends against verified title.
01 · Deposit
Goods into custody
Nordland delivers 2,000 MT of MEG into Tank T-14 at the terminal.
Pre-issue
02 · Issue
Receipt sealed
Maasvlakte issues and seals the title document for the holder of record.
State 001
03 · Attest
Re-sealed on gauge
Tank gauge and COA are reconciled; the receipt is re-sealed into the hash chain.
State 002
04 · Pledge
Endorsed as collateral
Nordland endorses title to Rheinkredit Handelsfinanz, which lends against the verified record.
State 003 · active
05 · Settle
Delivery vs payment
On repayment or sale, title releases against payment; the prior state is superseded.
Pending
Parties shown are illustrative, representative of the counterparties the pilot network is built around. The lifecycle traces a single receipt from deposit through to delivery-versus-payment, showing where each party acts on the record.
The thesis
The inventory you already hold is collateral. The moment its record can be verified, it becomes capital you can put to work.
Finbarrs' record: one neutral source banks, insurers, buyers and sellers can all rely on. One platform, with the aim of unlocking seamless working capital.
Contact 05 · Access
Request access.
Reply typically within 24 hours on business days.