Article

How D2C SMEs in India Are Using Debt Financing to Scale Sustainably

Recur Club · recurclub.com Free Intermediate India

A rare India-specific look at non-dilutive funding for D2C brands - working capital and revenue-based debt matched to inventory and marketing cycles instead of the default 'raise a round' instinct.

  • Debt financing suits recurring, predictable needs like inventory better than equity does.
  • Indian D2C brands increasingly blend equity with working-capital debt rather than choosing one.
  • Lender matching considers revenue, runway and cash-flow data, not just collateral.
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It answers 5 questions

  1. How do I calculate my cash runway, and how do I know when I need to raise or borrow?
  2. Should I take on debt (working capital loans, invoice financing) instead of raising equity to fund inventory?
  3. How do I finance inventory without giving up equity?
  4. Klub, GetVantage or Velocity - which RBF platform is actually right for my brand?
  5. What funding options exist if I don't want to raise VC money at all?

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