Reviewed by the CreditCares advisory desk · 13 years in business finance · Last updated 10 July 2026
Float for stockists & C&F agents.
Inventory and receivables funding for pharma distributors — where the gap between paying the company and collecting from retailers is the whole business.
Fund the cycle, win the agency
Distribution margins are thin; scale comes from carrying more divisions and more retailers on credit. CC limits against stock and book debts — or bill discounting on strong retail chains — fund that growth.
Company agency agreements and secondary-sales data make the file: we present them so credit teams see the annuity, not just the balance sheet.
Who is eligible?
- Authorised distributors / C&F agents with agency letters
- 2–3 years' distribution track record
- Drug licence & GST registration
- Banked turnover matching claimed volumes
- Receivables from credible retail network
Documents you'll need
- Agency / distribution agreements
- Drug licence & GST returns
- 3 years' financials & ITR
- Stock & debtors statements
- 12 months' bank statements
Carrying more divisions than your limit allows? We map your profile to the right lenders, prepare a bank-ready file and coordinate until disbursal — at no upfront cost.
Check your eligibility