Insights
Advisor-grade writing on channel finance, trapped working capital and how India's distribution economy is financed.
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Channel finance vs TReDS
TReDS discounts a receivable after supply. Channel finance funds the dealer’s purchase before any sale exists. Where each acts and what changed in 2026.
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What is channel finance?
A dealer pays for stock weeks before the market pays him. What channel finance means, how one cycle runs from order to repayment and which channels it fits.
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What is purpose-tied disbursal?
Every drawdown pays the enterprise or supplier directly against a specific order. The definition, the mechanism step by step and why the structure holds.
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How do dealers in India fund working capital?
Stock is paid for upfront while the market pays back weeks later. The four routes dealers use to fund that gap, compared on real cost and ceiling.
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How to set up a dealer finance program
How a manufacturer designs a dealer finance program and wires it into the ERP and dispatch layer. The decisions that keep a channel funded and receivables current.
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Why MSME payment delays persist in India
Fresh 2026 receivables data shows ₹3.83 crore stuck past 360 days at the average SME. Why the dealer layer carries the delay and how short cycles close it.
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What makes a dealer network financeable
Enterprise concentration, appointed dealers, real supply control and working-capital strain. The four preconditions that let a channel be financed against its trade.
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How channel finance differs from invoice discounting
Cash credit, invoice discounting and channel finance help at different points in a dealer’s cash cycle. How to tell the three apart and pick the right one.
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Reading the MSME working-capital gap
The four figures behind India’s working-capital debate measure four different things. What each says, how each is misread and what the set leaves out.
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The working-capital gap in Indian distribution
A very large pool of receivables sits trapped in delayed payments. The shape of that gap and why financing tied to the trade is what closes it.
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