FMCG Trade Finance Services

Notice. This page is informational and general in nature. Any mandate remains subject to underwriting, KYC and AML checks, sanctions screening, legal documentation, collateral controls, and final third-party approvals.

FMCG Trade Finance

FMCG businesses grow fast, then hit a working capital wall between supplier payments and distributor collections.

FG Capital Advisors structures FMCG trade finance for importers, brand owners, wholesalers, and distributor networks. We support purchase order finance, inventory finance, receivables finance, and supply chain finance programme design with lender introductions.

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Where FMCG Finance Gaps Usually Appear

Stage	Typical Problem	Commercial Impact	Typical Solution
Procurement	Supplier asks for upfront or short-tenor payment.	Purchase orders cannot be fulfilled at required speed.	Purchase order finance or LC-backed import finance.
Inbound Inventory	Cash tied in warehouse stock.	Lower reorder capacity and lost sales windows.	Inventory finance with eligibility controls.
Distributor Sales	Extended payment terms to channels.	Growth increases receivables stress.	Receivables finance and distributor finance structures.
Scaling Multi-Market	No unified capital structure across entities and regions.	Fragmented funding and inconsistent execution.	Supply chain finance programme with central controls.

Full Scope Of FMCG Trade Finance Services

Service Line	What We Do	Outcome
Working Capital Diagnostic	Map cash conversion cycle across procurement, stock, and receivables.	Clear gap map by stage and priority.
Purchase Order and Import Structuring	Align order flow, supplier terms, and payment instruments.	Funding path for inbound supply continuity.
Inventory Finance Design	Build eligibility, concentration limits, and control triggers.	Scalable stock-backed facility framework.
Receivables and Distributor Finance	Structure assignments and repayment flows by buyer class.	Better liquidity from approved receivables.
Supply Chain Finance Programme Build	Create repeatable supplier and distributor funding architecture.	Programmatic funding model, not one-off deals.
Underwriting Pack and Data Room	Prepare lender-ready memo, operating metrics, and legal map.	Credit committee-grade file quality.
Lender Introductions and Execution	Run targeted lender outreach and coordinate term negotiations.	Indicative terms, revisions, and closing pathway.

Process From Intake To Go-Live

Step	Action	Output
1) Intake and Triage	Review entity structure, product mix, channel model, and funding needs.	Initial feasibility and mandate scope.
2) Structure Blueprint	Design facility layers across PO, inventory, and receivables.	Integrated capital stack plan.
3) Package Build	Prepare underwriting memo, KPI pack, and compliance file.	Lender-ready submission.
4) Targeted Placement	Engage lenders aligned with ticket size and channel profile.	Term feedback and credit dialogue.
5) Documentation and Launch	Coordinate definitive documents and onboarding requirements.	Operational go-live sequence.

What To Submit For A Quote

Corporate profile and legal entity structure.
Product portfolio and supplier concentration data.
Purchase order flow and average payment terms.
Inventory aging and stock policy.
Distributor and receivables aging breakdown.
Last 12 to 24 months financial statements.
Full KYC and AML onboarding package.

Why FMCG Trade Finance Files Are Declined

No channel-level visibility. Lenders cannot map repayment certainty.
Weak data quality. Inventory and receivables reports are inconsistent.
Overstated debt ask. Facility request is not supported by working capital cycle.
Poor legal alignment. Commercial contracts and finance documents conflict.
No control framework. Reporting and covenant discipline is missing.

If your FMCG business needs structured working capital support, submit your file. We build the structure, package the mandate, and run targeted placement under an underwriting-led process.