Bengaluru, Oct. 19 -- Direct-to-consumer (D2C) brands are stepping up working-capital financing during the festive season, as uncertain demand and the need to meet peak sales put pressure on cash flows.

Growth capital among D2C businesses typically rises by up to 35% during the festive quarter. This year, too, borrowings by consumer brands are roughly 15-20% higher year-on-year as businesses navigate demand uncertainty, according to executives Mint spoke with.

While established companies have greater access to bank credit and internal cash flows, emerging brands turn to specialist lenders.

Mumbai-based revenue-based financing platform GetVantage has seen 120% year-on-year growth and is targeting Rs.200-240 crore in festive-season disbu...