Extend distributor credit without extending your own cash flow
InvoRush finances your distributor network's credit terms and receivables, so your brand gets paid on schedule while distributors get the credit they need to keep shelves stocked — no collateral, no new debt.
As of [Month Year] — confirm figures with management before publishing
Distributor credit is the cost of doing FMCG business — and it locks up your cash
FMCG and food brands extend 30–90 day credit terms to hundreds of distributors to keep shelves stocked. That credit has to come from somewhere, and it's usually the brand's own working capital.
Distributor credit ties up working capital
Extending credit terms across a large distributor network locks up cash needed for raw material and production.
Festive and seasonal demand strains liquidity
Diwali, back-to-school and other seasonal spikes create sudden inventory build-up needs that outpace normal cash cycles.
A fragmented distributor network is hard to finance
Hundreds of small distributors are individually unbankable, but collectively critical to sales — traditional lenders can't finance them one by one.
Finance the whole distributor network off one brand's credit rating
InvoRush finances the credit your brand extends to distributors, priced off your brand's rating rather than each individual distributor's — so your network stays stocked and your cash flow stays intact.
Distributor places order
A distributor in your network places a stock order on standard credit terms.
Goods shipped on credit
Your brand ships the order, extending the usual 30–90 day credit period.
Credit note submitted to InvoRush
The distributor credit note or invoice is submitted to the platform.
Anchor-backed verification
We verify the transaction against your brand's credit profile, not the distributor's.
Brand paid upfront
Your brand receives payment in days, without waiting out the full credit term.
Distributor settles on maturity
The distributor pays on the agreed due date, closing the loop.
What FMCG and food brands actually need from a finance partner
Extend distributor credit without locking up capital
Finance the credit terms you offer your distributor network, so stocking decisions aren't limited by your own cash position.
Convert brand receivables into cash in days
Discount approved distributor invoices individually, on the ones you choose, without committing your entire receivables book.
Fund raw material ahead of a seasonal push
Finance production and raw material costs ahead of festive-season demand, before a single distributor order is invoiced.
Priced off your brand's credit, not each distributor's
Because financing sits against your brand's rating, even smaller distributors in your network can be financed at a consistent rate.
InvoRush vs. self-funded distributor credit
InvoRush Advantage
- ✓Finances your whole distributor network
- ✓Live in 5 working days
- ✓Priced off your brand's credit rating
- ✓No collateral required
- ✓No new debt on your balance sheet
Self-Funded Distributor Credit
- ✗Cash locked up across hundreds of distributors
- ✗Seasonal spikes strain liquidity every cycle
- ✗Smaller distributors often go unfinanced
- ✗Fixed assets usually required for bank credit
- ✗Adds to reported liabilities
Questions FMCG & food brands ask before they switch
Yes. Because financing is anchor-backed against your brand's credit rating rather than each individual distributor's, InvoRush can extend dealer finance across your full network, including smaller distributors who wouldn't independently qualify for bank credit.
Yes. Dealer finance and working capital scale with order volume, so a Diwali or festive-season inventory build-up doesn't require a fresh loan application or delay stocking.
Invoice discounting converts your own receivables into cash. Dealer finance goes further, financing the credit you extend to distributors directly, so both your cash flow and your distributor relationships are protected.
Most brands are live and financing distributor credit within 5 working days of completing onboarding.
You continue to manage distributor relationships directly. Financing sits behind the scenes and does not change how distributors place orders or receive stock.
No. Dealer finance and invoice discounting through InvoRush are structured off-balance-sheet, so they don't add reported liabilities or draw down your existing working capital limit.
InvoRush works across packaged foods, snacks and confectionery, beverages, dairy, and personal care and staples brands, wherever there is a distributor network extending credit terms.
Typically GST returns, recent financials, distributor agreements or credit terms, and standard KYC. Onboarding confirms the exact list once your distributor network is mapped.