INEX – Inventory monitoring that unlocks business financing
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First in VietnamData infrastructure for inventory-backed lending

The goods in your warehouse are capital locked away.

INEX builds verified data infrastructure for goods, giving banks the basis to expand inventory-backed lending and helping businesses access working capital from the goods they already hold.

Book a Pilot deployment → Why is it hard for businesses to borrow?
>98%

of Vietnamese businesses are small and medium-sized enterprises

~1/5

of bank credit goes to small and medium-sized enterprises

~1/3

of the credit needs of small, medium and micro enterprises are met

~24 bn USD

finance gap of small and medium-sized enterprises

Sources: Tuoi Tre News (08/2026); Vietnam Investment Review (2024), IFC and FiinGroup data.

The problem

One bottleneck, two sides

Businesses

Goods and orders in hand, yet no access to loans

  • No real estate to pledge.
  • Inventory, their largest asset, is not accepted as collateral.
  • Thin financial records, while capital needs follow seasons and orders.
Banks

Willing to lend, but need to see the collateral

  • No visibility of goods between inspections.
  • Risk of phantom stock, over-declaration and double pledging.
  • Sending staff to monitor is costly relative to the loan.

The gap is not in the demand for loans or the willingness to lend. It is in trust in the collateral.

How it works · Phase 1

From goods in the warehouse to a loan

Goods are stored in segregated lots at 3PL (third-party logistics) warehouses in the INEX network. Every inbound and outbound movement is recorded on InexHub.

  1. STEP 1

    Store goods at the warehouse

    Goods enter a segregated lot at a 3PL warehouse in the network.

  2. STEP 2

    Verify and sign a tripartite agreement

    Counting, 3D scanning and video records; the three parties sign a monitoring agreement.

  3. STEP 3

    The bank grants a credit line

    Appraisal and credit decision based on verified data.

  4. STEP 4

    Controlled inbound and outbound

    Goods leave the lot only on a valid order; inventory is reconciled daily.

  5. STEP 5

    Capital keeps turning

    Sell, repay, release the pledge or reuse the credit line.

Mission

Make warehouse inventory transparent and verifiable, so businesses can access capital more easily and banks can lend more safely.

Vision

To become the intermediary platform connecting banks, businesses and logistics providers, and to grow the Inventory Financing market in Vietnam.

The INEX solution

Trust infrastructure for goods as collateral

INEX is a neutral third party: it does not lend and does not own the goods.

InexHub is shared infrastructure that lets banks, businesses and warehouses jointly control and prove goods pledged as collateral, on one data source all three parties trust.

Explore InexHub →

Neutral

Does not lend, does not own the goods, does not take sides.

Verifiable

Every figure has original evidence and can be traced back.

Secure

Each party's data is shared only by permission and agreement.

Infrastructure partner

INEX is an infrastructure provider working alongside banks.

Three-layer monitoring

One flow of goods, one data source all three parties trust

Goods move every day. INEX tracks collateral across all three layers so the value in the system always matches the goods actually in the warehouse.

LAYER 01 · PHYSICAL

Physical monitoring at the warehouse

3D volume scanning, AI cameras, IoT, smart locks and weighbridge monitoring.

3D Scanning →
LAYER 02 · DIGITAL

Tripartite data platform

Digital asset certificates, bank dashboards, exception alerts and a tamper-proof audit trail.

InexHub →
LAYER 03 · LOGISTICS

Connected flow of goods

Track goods as they are received, dispatched and moved between warehouses.

Operating model →
See the operating model Talk about your warehouse
Products

INEX solutions in deployment

Learn more →
Tripartite platform

InexHub

Every inbound and outbound order is approved and recorded on the platform. Collateral value is tracked in real time against the required level; outbound shipments are frozen automatically when value falls below the threshold.

Learn more →
Truck on a factory weighbridge
Available now

INEX365 weighbridge monitoring

AI review of weighing tickets, cross-checking camera footage with scale data, detecting anomalies in inbound and outbound weights.

Learn more →
Drone 3D scan of a bulk stockpile
Available now

3D Scanning inventory measurement

Measure the volume of bulk and piled goods with 3D scanning instead of manual estimates.

Learn more →
Value for each party

One platform, three parties who all benefit

Banks, warehouses and businesses all gain from one monitored flow of goods.

Banks

A new type of collateral: inventory

The challenge

Businesses have goods and orders but lack real estate; banks lack tools for continuous monitoring of goods.

The INEX solution

Real-time collateral monitoring on a dashboard; the warehouse is accountable for the goods on hand under the tripartite agreement.

Impact
  • Grow lending into an underserved segment
  • Lower cost of on-site monitoring staff
Book a Pilot for banks →
Warehouse / 3PL

Empty space is a cost; space full of pledged goods is revenue

The challenge

Unfilled space; ordinary warehouse leasing is hard to differentiate.

The INEX solution

Connect with businesses that need storage to borrow; operate to bank standards with InexHub, AI cameras, INEX365 and 3D scanning.

Impact
  • Higher warehouse occupancy
  • Additional revenue from collateral management services
Become a partner warehouse →
Businesses

Borrow against your own goods, without extra real estate

The challenge

Capital is tied up in inventory and receivables; the biggest barrier to borrowing is collateral.

The INEX solution

Goods stored at the warehouse become collateral; the credit line follows the goods on hand, and adding stock raises the collateral value.

Impact
  • Storage and financing in one place
  • Build a credit track record with data
Book a consultation for businesses →

Start with one warehouse, one lot of goods

A Pilot lets all three parties evaluate with real data before full rollout. The Pilot phase is 100% free of charge.

Book a Pilot deployment →
Roadmap

From 3PL warehouses to every warehouse a business runs

The founding team brings years of experience in banking, credit and operations, together with an engineering team in AI, IoT and software.

About INEX
IN DEPLOYMENT

3PL warehouses and the tripartite platform

Monitoring goods pledged as collateral at partner warehouses; the warehouse commits to controlling inbound and outbound movements and to compensation under the tripartite agreement.

STANDALONE SOLUTIONS

3D Scanning and INEX365 weighbridge monitoring

Deployed independently for warehouses, factories and anyone who needs stocktaking and monitoring.

PHASE 2

Monitoring and financing at independent warehouses

Extending to goods held at businesses' own warehouses and factories.

Inex Insight

Perspectives on inventory-backed financing

See all articles →
FUNDAMENTALS · 6 MIN READ

What are Inventory Financing and Supply Chain Finance?

Read article →
INVENTORY FINANCING · 7 MIN READ

Inventory Financing around the world: 5 markets, one common thread

Read article →
COLLATERAL · 5 MIN READ

Inventory: a major business asset, yet last on the collateral list

Read article →
Connect with INEX

Book a Pilot

Are you a bank, a warehouse operator or a business with inventory? The INEX team will talk with you and propose a suitable Pilot scope.

Free Pilot phase Measured with real data Start with a single lot
Address
155 An Trach, O Cho Dua Ward, Hanoi
Email
contact@inex.com.vn
Phone
0982 880 113
Send a booking requestFill in your details and INEX will get back to confirm a time.