₹1000+ Cr Working Capital Unlocked in a Year. How a Large Quick Commerce Player Scaled Vendor Financing with CredAble’s Early Payment Program

A Case Study on Enterprise-Driven Payables Financing in Quick Commerce

Overview: Building Liquidity for Growth 

As India’s quick commerce sector expands rapidly, companies are under increasing pressure to optimise working capital and maintain supplier liquidity. Payables financing solutions are emerging as critical tools to sustain such high-velocity supply chains. 

One of India’s leading quick commerce players was scaling at unprecedented speed, recording 20x quarterly growth while rapidly expanding into new cities and adding thousands of SKUs. While demand was exploding, working capital pressure was shifting to vendors across the FMCG spectrum, many of whom required early payments to support their rapid scale-up. 

To solve this liquidity challenge, the client partnered with CredAble to deploy an end-to-end integrated Early Payment Program that automated invoice discounting across its supplier ecosystem.  

Within a year, the program saw over ₹1000 crore in throughput, onboarded 900+ suppliers, and processed over 1,10,000 invoices, while compressing payment cycles from 25–30 days to just 3–5 days. 

This became the first early payment program launched by any quick commerce player in India, setting a new benchmark for this industry. 

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The Challenge: Working Capital Pressure in a Hypergrowth Quick Commerce Supply Chain

The rapid expansion of quick commerce is intensifying working capital pressure across supplier networks, making vendor financing and invoice discounting essential to maintaining continuity.  

Rapid growth is a strength, but it can become a liquidity bottleneck when cash cycles do not move at the same speed as orders. 

What the client was facing: 

• Growth vs Liquidity Mismatch  
  The company was growing 20x quarter-on-quarter, with partnerships with India’s large and upcoming FMCG brands, but supplier payment cycles were not aligned with this pace, creating strain in the supply chain. 

• Supplier Payment Pressure  
  Key suppliers began demanding early payments to safeguard their working capital and continue to scale their operations. 

• Manual Financing Limits  
  Traditional financing mechanisms were slow, fragmented, and not suited for a real-time quick commerce ecosystem. 

The Objective: Designing a Payables Financing Platform to Support Supplier Financing at Scale

The client needed a financing solution that was as digital, fast, and scalable to match their business needs.  

• Build an integrated early payment platform for the entire supplier base. 

• Create a multi-bank funded invoice discounting program to ensure liquidity depth. 

• Enable automatic discounting of invoices directly on the Early Payment Platform. 

The Approach: Deploying a Digital Working Capital Platform for Supplier Financing

CredAble’s Early Payment Platform was selected as the core engine to automate supplier payments while generating cost efficiencies for the client. 

• Deep ERP integration  
  Supplier invoices were automatically uploaded onto CredAble’s platform once raised, eliminating manual processes.  

• Full-turnover customisations  
  The platform enabled customisations for full-turnover program, with auto discounting of invoices. 

• Vendor adoption strategy  
  CredAble implemented a Vendor Push program to actively onboard suppliers, educate them on early payments, and drive platform adoption. 

• Multi-Bank participation  
  Four banks were onboarded as active program financiers, ensuring liquidity resilience and competitive pricing. 

The platform enabled real-time invoice discounting, helping vendors access early payments while optimising the client’s working capital cycle. 

This approach transformed supplier financing from a reactive process into a digital, automated, and scalable system. 

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Business Impact: Accelerating Supplier Payments & Optimising Working Capital in Less Than 8 Months

The early payment program improved supplier liquidity and cash flow cycles strengthened relationships, and optimised working capital efficiency across the supply chain. 

What the client achieved 

• India’s 1st quick commerce early payment program launched 

• Platform deployed in under 3 weeks, proving rapid implementation capability 

• ₹1000+ crore throughput generated in 12 months 

• Enabled same day financing with invoices processed on the same day and funds reflecting in company accounts within 48 hours. 

• 110,000+ invoices processed  

• 900+ suppliers onboarded onto the platform 

• Payment cycles reduced by 20–25 days on average 

The result was a faster, more resilient, and more predictable supply chain.

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Powering the Next Phase of Quick Commerce Growth in India

India’s quick commerce sector is built on speed, scale, and reliability. But operational growth can only move as fast as working capital flows through the system. 

CredAble’s Early Payment Platform is designed to align liquidity with real-time commerce, ensuring suppliers get paid faster while enterprises maintain control, visibility, and efficiency. This helps quick commerce players grow without liquidity friction and build resilient supply chains. 

As quick commerce continues to scale in India, CredAble remains a trusted partner in this industry. 

Think Working Capital… Think CredAble!