Asset-Based Lending (ABL) · Medical Device Manufacturing
Asset-Based Lending (ABL) for Medical Device Manufacturing shops
Borrow against what you already own. We match medical device manufacturing manufacturers with the asset-based lending (abl) structure that fits how you actually run — no equity given up, no application, origination, or closing fees to you.
Why medical device manufacturing shops choose asset-based lending (abl)
You spent years and serious money getting a device to market — cleanroom buildout, validation, 510(k) or PMA work, ISO 13485 quality system, the whole stack. Then the invoices go out to hospitals, IDNs, GPOs, and distributors, and the cash comes back in… eventually.
That's the disconnect we solve. Your receivables are strong, your buyers are AAA-credit institutions, and your working capital is still tight because everything pays slowly.
Asset-Based Lending (ABL) is one of the most direct ways to close that gap. Revolving lines secured by receivables, inventory, and equipment.
What medical device manufacturing shops get
- Line scales with your business
- Often more flexible than traditional bank debt
- Rates typically lower than factoring for the right profile
How it works
- 1The lender evaluates the value of your eligible collateral (AR, inventory, equipment).
- 2A borrowing base formula determines your available line.
- 3You draw and repay as needed, with monthly reporting.
Cash-flow realities we see in medical device manufacturing
- Hospitals, health systems, IDNs, and GPOs on 60–120 day terms
- Long validation, qualification, and 510(k) timelines that eat cash before revenue
- Cleanroom, tooling, inspection, and sterilization equipment costs
- ISO 13485 / 21 CFR Part 820 quality-system investment and audit cycles
- Distributor consignment and stocking arrangements that delay revenue recognition
Get referred for asset-based lending (abl)
Tell us the basics. We'll confirm the fit and tell you exactly what this program requires before you fill anything long.
- ✓ No application, origination, or closing fees
- ✓ No equity given up
- ✓ US-based medical device manufacturing shops only
Other programs that fit medical device manufacturing
Invoice Factoring for Medical Device Manufacturing
Turn unpaid invoices into cash today—stop waiting on net-60 or net-90.
Explore Invoice Factoring for Medical Device ManufacturingEquipment Financing for Medical Device Manufacturing
Finance new or used machinery, CNC, robotics, and production lines.
Explore Equipment Financing for Medical Device ManufacturingFrequently Asked Questions
Yes — asset-based lending (abl) is one of the programs we most commonly place for medical device manufacturing shops. Established manufacturers with meaningful receivables, inventory, and/or equipment who want a flexible revolving line. Full mechanics: the Asset-Based Lending (ABL) program page. Sector overview: Medical Device Manufacturing.
It depends on the program. Factoring often funds within days of account setup; equipment and working capital usually run days to a couple of weeks; SBA and larger term loans take longer. We tell you the real timeline up front.
No. We are an independent business financing referral service and are not paid by you. Our funding partners compensate us only after a referred manufacturer actually receives their funds.
No. Every program we refer is non-dilutive. You keep 100% ownership of your shop.
Yes. Hospital, IDN, and GPO receivables are commonly factored. Because these buyers routinely stretch to 60, 90, even 120 days, factoring is one of the strongest fits in medical device manufacturing.
Yes. Regulatory class doesn't disqualify you — invoice quality, buyer credit, and clean documentation matter more. Partners familiar with 21 CFR Part 820 quality systems make onboarding smoother.
ABL is a revolving line you draw against; factoring is the outright sale of specific invoices. ABL usually has lower cost of capital but stricter eligibility and monthly reporting requirements.
Ready to keep production moving?
Start with a quick app or a phone call. We'll tell you exactly what the right program requires. At no charge.
Apply. Fund. Deliver. No obligation.
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