Financing Distributors of Fast Moving Consumer Goods (FMCG)

Financing Distributors of Fast Moving Consumer Goods (FMCG)

Financing product of OCB specifically designed for Distributors of Fast Moving Consumer Goods (FMCG)
Targeted clients
Corporate customers (including private enterprises) are distributors/1st level agents for more than 1 year of FMCG Suppliers

Features of product

Financing purpose

Provide distributors with financial solutions to meet the needs of timely and flexible payment with FMCG Suppliers

Lending method

Credit limit-based loan, grant overdraft limit, guarantee, medium-term car loan 

Outstanding features suitable for the industry
  • Distributors are supported to convert overdraft limit when it is due for renewal
  • Distributors are granted an additional unsecured limit to meets demand for working capital supplement during peak seasons
  • Suppliers can follow distributors's availability limit to order to release goods at the warehouse
Customer conditions
  • Corporate customers (including private enterprises) are distributors/1st level agents for more than 1 year of FMCG suppliers and meet OCB's credit conditions
  • Delivery time for suppliers from 1 year or more
  • Minimum 3 years FMCG distribution experience

Outstanding preferences

  • Loan limit up to 100% of collateral value
  • The limit for additional grant without collateral is up to 70 billion VND
  • Additional unsecured limit in peak season
  • Preferential interest rate from 6%/year for short-term loans
  • Up to 50% discount on guarantee letter issuance and collection fee
  • Free transaction on current account
(*)Discounts depending on customer groups

Other benefits for customers

  • For Sellers:
    • Reduce payment risk for receivables.
    • Convert debt to cash quickly.
    • Saving cash management costs, tracking and debt collection costs.
    • Official credit appraisal for distributors/agents by the bank.
  • For Distributors/Agents:
    • The credit period for distributors/agents may be extended beyond the credit period only provided by Sellers.
    • Increase the amount of credit limit for distributors/agents during the season.
    • Increase sales due to increased storage capacity.
    • Build a stable sales channel.
    • Increase competition.

Registration procedure

Please kindly fill in the form with your information, we will contact you in soonest time.
Customer support
1800 6678