Working Capital and Financing Options for Indian FMCG Distributors: Banks, NBFCs, and Fintech in 2026
Most FMCG distributors have Rs 8-15 lakh locked in receivables at any given time, with interest silently consuming 2-6% of annual revenue. This guide compares five financing options -- bank OD, NBFC loans, invoice discounting, supply chain finance, and fintech -- with actual rates, eligibility criteria, and strategies to reduce working capital needs through better operations.
