Working capital for FMCG businesses with extended distribution credit cycles, term loans for capacity expansion, and acquisition finance for consolidation. Cross-cluster expertise across personal care, home care, F&B, and consumer durables.
BIG LOANS arranges ₹100 crore-and-above debt for Indian FMCG and consumer goods companies — across personal care and home care (HUL, Marico, Dabur, ITC, Emami, Godrej Consumer), food & beverage (Britannia, Nestlé India, Mondelez, Dabur food), and consumer durables (Voltas, Havells, Crompton, Symphony, Bajaj Electricals, Whirlpool, Samsung India). Most common products: working capital with structuring aligned to extended distribution credit cycles (45-90 days to distributors); term loans for capacity expansion; and acquisition finance for sector consolidation deals.
FMCG businesses have predictable cash flow but extended distribution credit — companies typically extend 45-90 days of credit to distributors and wholesalers, creating significant working-capital cycles. Inventory build-up across SKUs adds to the funding requirement.
For consumer durables, PLI schemes (white goods, mobile manufacturing) have substantially restructured the capex finance landscape. Domestic manufacturing capex aligned to PLI commitments gets favourable lender treatment.
Common FMCG & consumer funding situations.
Multi-bank working capital for branded FMCG with extended distribution credit and multi-SKU inventory. ₹150-1,000 Cr consortium.
New manufacturing line, plant expansion for branded FMCG. Term loans ₹100-500 Cr at 5-8 year tenor.
Mobile, white goods, air conditioner manufacturing capex aligned to PLI commitments. ₹250-1,500 Cr project finance.
Acquisition of FMCG brands or smaller competitors. Senior + mezz structured around target valuation.
Receivable financing of distributor invoices, channel finance facilities.
For FMCG with significant export base (e.g. Marico, Dabur in international markets). Packing credit + ECB tranches.
FMCG debt is working-capital-heavy, with term loans for capacity.
FMCG is one of the highest-appetite sectors. Strong brands command tight pricing.
HDFC, ICICI, Axis, Kotak, Yes — competitive on branded FMCG with established distribution and stable cash flow.
SBI, BOB, Indian Bank, Union Bank — active for larger FMCG with deep historical relationships.
StanChart, HSBC, DBS, Citi — active for FMCG with export base, multinational subsidiaries (HUL, Nestlé India).
Bajaj, Aditya Birla, Tata Capital — channel finance and distributor financing programs.
Active for FMCG acquisition financing, brand consolidation deals, growth capital.
Same 5-stage process for any large-ticket corporate debt mandate, applied to fmcg & consumer specifics.
NDA, then a short call to understand the business model, key financial drivers, capital need. Sector-specific risk factors mapped early.
Optimal facility mix, tenor, security. Lender shortlist tuned to sector appetite — banks for vanilla, NBFCs / AIFs for specialty structures.
Sector-grade Information Memorandum, financial model, market analysis. Pitched to shortlisted lenders in parallel.
Multiple sanctions negotiated in parallel on pricing, covenants, security. Final lender(s) selected.
Loan agreement, security creation, CPs satisfied, drawdown. Sector-specific compliances (RERA, FEMA, SEBI, etc.) handled along the way.
Share a one-page brief on your business and funding need. We respond within one working day with feasibility, structuring and lender shortlist tuned to your sector.