LABEST

What LABEST does

LABEST (legal entity: LABESTservice GmbH) is a Düsseldorf-based B2B SaaS provider that makes inventory financeable as loan collateral by giving lenders continuous, digital transparency into borrowers' warehouses. The company operates a monitoring platform that connects to borrowers' warehouse management or ERP systems via interface or file import, continuously records inventory movements, enriches stock data with current market prices from independent marketplaces, and delivers configurable notifications, detailed reports, and historical documentation required for credit decisions and ongoing monitoring. The platform is delivered as a subscription service covering the full lifecycle of an inventory-backed loan: preliminary KYC and due diligence, ongoing monitoring during the loan term, and exploitation/workout support in the event of default.

The product suite is built around a core LABEST Monitoring Platform, complemented by preliminary check/KYC services, ongoing monitoring modules, and exploitation services. The go-to-market is sales-led and partner-led: LABEST works with a network of financing partners — Maturus Finance GmbH, Credion AG, Xaris GmbH, Auxiga Group International, and DD Advisor GmbH — that originate the loans while LABEST provides the monitoring and risk transparency layer. The company also runs a direct loan request portal at labest.finance for inbound borrower acquisition.

LABEST's customer base spans two primary segments: merchants and manufacturers with significant inventory (particularly fungible items with established marketplace pricing) seeking to convert tied-up capital into growth financing, and financial institutions that need transparency to accept inventory as collateral. The company is currently in early-stage scale, with 1-10 employees, no disclosed funding rounds, and a single named case study (an e-bike provider in the e-mobility sector) where seven-digit inventory was financed through the LABEST/Maturus structure. Founders Dirk Piethe and Stefan Franke lead the company.

Name

LABEST

Legal name

LABESTservice GmbH

Website

https://labest.online

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

LABEST (LABESTservice GmbH) is a Düsseldorf-based B2B SaaS platform that gives lenders continuous digital transparency into borrower inventory, enabling merchants and manufacturers to use warehouse stock as loan collateral. The platform integrates with warehouse/ERP systems, enriches data with independent marketplace prices, and supports lenders across KYC, ongoing monitoring, and workout.

Ownership category

akta.pro rank

Product category

Inventory Finance Monitoring Software

NAICS

Credit Bureaus (561450)

akta.pro primary industry

Lab Automation, Instrument Control & Workflow Orchestration Software (HLAGAJAG)

Keywords

• Inventory finance monitoring
• Asset-based lending software
• Collateral risk assessment
• Warehouse monitoring platform
• Loan servicing solutions

Headquarters

HQ city

Berlin

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales

Revenue model

1. SaaS Monitoring Platform: LABEST provides software and process solutions that create transparency for inventory financing. They charge financial institutions (lenders) for monitoring services that enable inventory to be accepted as loan collateral. The platform is offered as a service during the loan period, from pre-assessment through ongoing monitoring to repayment or liquidation.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

LABEST provides a SaaS-based inventory-finance monitoring platform that connects directly to borrowers' warehouse and ERP systems, enriches inventory data with current market prices from independent marketplaces, and continuously evaluates collateral for lenders. Its service offering spans three phases — preliminary checks / KYC, ongoing monitoring during the loan life-cycle, and workout / exploitation support if collateral value deteriorates — and is complemented by a partner-enabled dynamic merchandise financing product.

Product overview

LABEST is a software and service provider specializing in inventory financing. The core offering is the LABEST Monitoring Platform, which connects to borrowers' warehouse/ERP systems to create transparency around inventory data for lenders. The platform enables inventory to serve as loan collateral through features including stock level monitoring, market price valuation, configurable notifications, and detailed reporting. LABEST also offers related service modules: Preliminary Check/KYC services for credit assessment, Ongoing Inventory Monitoring during loan terms, and Exploitation/Workout services for default scenarios. The company operates in partnership with financing providers such as Maturus Finance GmbH to enable dynamic merchandise financing.

Differentiator

Problem solved

Functional benefit

Products and services

• LABEST Monitoring Platform SaaS-based inventory-finance monitoring platform that connects directly to borrowers' ERP and warehouse-management systems, enriches stock data with current market prices from independent marketplaces, and provides continuous collateral transparency, configurable notifications, multilingual access, and structured reporting for financial institutions and their borrowers across the loan life-cycle.
• Preliminary Check / KYC Services Pre-loan service combining preliminary collateral assessment with KYC checks, used by financial institutions to determine whether a borrower's inventory qualifies as viable collateral before extending inventory-backed financing.
• Ongoing Inventory Monitoring Service Continuous collateral-monitoring service delivered through the LABEST platform during the active loan life-cycle, providing lenders and borrowers with ongoing, real-time visibility into warehouse stock and market-value changes to support dynamic credit-risk management.
• Exploitation / Workout Services Default-management and workout service used when collateral value deteriorates, providing lenders with structured support for handling distressed inventory-backed exposures and recovering value from pledged stock.
• Dynamic Merchandise Financing Inventory-backed financing solution offered in partnership with Maturus Finance GmbH that allows merchants and manufacturers to monetise warehouse-held merchandise as working capital, supported by LABEST's continuous inventory-monitoring platform.

Quantifiable outcome

• Seven-digit range inventory successfully used as loan collateral for an e-bike provider

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Liquid Capital: Liquid Capital is a global network of asset-based lending offices specializing in inventory, receivables, and cash-flow financing. Highly comparable in core product — collateral-based lending against inventory — and uses monitoring-style diligence on assets.
• Clearco: Clearco provides revenue- and inventory-based financing to e-commerce and SaaS businesses, using business data and marketplace signals to underwrite. Comparable target customer (inventory-heavy merchants) and data-driven risk underwriting approach.
• Settle: Settle offers flexible financing to e-commerce brands against inventory and receivables, with integrated monitoring of marketplace sales and stock levels. Directly comparable in serving inventory-rich merchants seeking non-dilutive financing.
• Stenn: Stenn is a digital trade finance provider that finances cross-border trade transactions including inventory in transit and warehouse stock. Comparable in financing tied-up inventory via data-backed underwriting for SMEs and mid-market merchants.
• Wayflyer: Wayflyer provides revenue- and inventory-based financing to e-commerce merchants with built-in monitoring of sales and stock performance. It targets the same borrower pain point — unlocking tied-up working capital — and operates with an integrated risk view analogous to LABEST's monitoring layer.

Emerging players

• 8fig: 8fig provides AI-driven financing and planning tools for e-commerce sellers, using continuous sales and inventory data for underwriting. Comparable in using real-time commerce data to structure dynamic financing for merchants.
• TradeIX / Marco Polo Network: TradeIX (now part of the Marco Polo Network) provides a trade finance platform connecting banks, corporates, and logistics providers with real-time transaction data. Comparable in applying data transparency to reduce risk in working capital and inventory-based finance.
• Outfund: Outfund provides revenue-based financing to e-commerce and DTC brands, with funding tied to ongoing sales performance. Comparable in offering dynamic, data-driven working capital to inventory-heavy merchants.

Broad incumbents

• Plaid: Plaid provides financial data connectivity infrastructure for lenders and fintechs, enabling real-time access to business banking, accounting, and commerce data. Comparable in powering data-driven credit and risk decisions, though at a broader scope than inventory-specific monitoring.

Others

• Riskified: Riskified provides e-commerce fraud and risk intelligence using transaction and behavioral data. Comparable in applying real-time e-commerce data signals to financial decision-making, though focused on transaction risk rather than inventory collateral risk.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/labest_online
• LinkedInlinkedin.com/company/labestonline

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about LABEST