Since 2012 · Godrej Waterside, Kolkata | ₹2,000 Cr+ disbursed · 4.9★ on Google
CreditCares Check eligibility
Home / Healthcare Loans / Pharma Distributor Loan

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.

₹25 L–25 Cr
Limit size
30–90 days
Receivable cycles funded
CC / OD / BD
Structures
Overview

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.

At a glance
ProductsCC/OD, bill discounting
SecurityStock + book debts, collateral as needed
SizingTurnover & receivable-cycle based
StrengthAgency agreements & secondary data

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
Let's find your loan

Tell us what you need. We'll do the running around.

Share a few details and a CreditCares expert will call you back to map your eligibility and shortlist the right lenders — at no cost.

Check your eligibility Chat on WhatsApp