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Working Capital for Wholesale & Distribution
Inventory funding, channel finance and cash-credit limits for wholesalers, stockists and distributors.
How We Serve the Wholesale Sector
Wholesale is a velocity business where margin is thin and turnover is everything: brands demand advance or 7-day payments, retailers expect 30–45 days credit, and every rupee of working capital directly caps revenue.
LOANYARD CAPITAL arranges brand-anchored channel finance, cash-credit limits assessed on genuine turnover, and inventory funding — so distribution capacity is set by your market, not your banker.
Funding Challenges We Solve
Case Study
FMCG super-stockist, Patna
₹7 Crore channel finance + CC
The Challenge
A super-stockist for two national FMCG brands was rejecting fresh territory offers because working capital maxed out at ₹3 Cr against actual requirement of ₹7 Cr+ during festive quarters.
Our Solution
We enrolled the firm in both brands' anchor-led channel finance programmes (₹4 Cr combined at 8.9%) and enhanced the CC limit to ₹3 Cr with a festive-season peak of ₹4 Cr.
Business Impact
- Working capital capacity up 2.6x
- New territory accepted; revenue up 48% in a year
- Blended borrowing cost down 2.8%