Article

Inventory Financing D2C India: 5 Options Compared

CFO Matrix · cfomatrix.in Free Intermediate India

Lays five non-dilutive inventory-financing routes side by side with real effective-rate ranges (11-22%), so you can compare apples to apples instead of chasing the lowest headline number. Exactly the kind of comparison founders skip and later regret.

  • Average growth-stage D2C brand pays 14-18% effective annual rate on inventory financing.
  • Bank working capital lines are cheapest but slowest to underwrite; RBF is fastest but pricier.
  • Match financing type to your inventory cycle length, not just the interest rate.
Open on cfomatrix.in ↗

It answers 2 questions

  1. How do I finance inventory without giving up equity?
  2. What funding options exist if I don't want to raise VC money at all?

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