Is invoice factoring a good fit for medical device manufacturing?

Yes — invoice factoring is one of the programs we most commonly place for medical device manufacturing shops. Manufacturers with creditworthy commercial or government customers that pay on net-30, net-60, or net-90 terms.

How fast can a medical device manufacturing shop get funded?

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.

Do you charge medical device manufacturing manufacturers any fees?

No. We are a business consulting service and are not paid by you. Our funding partners compensate us only after a referred manufacturer actually receives their funds.

Do I have to give up equity?

No. Every program we place is non-dilutive. You keep 100% ownership of your shop.

Can we factor invoices to hospitals and GPOs?

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.

Do factoring companies work with FDA Class II and Class III device makers?

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.

Do I need great personal credit to factor invoices?

Not usually. Factoring underwriting weighs the credit of the customers who owe you money much more heavily than your personal credit. Manufacturers with challenged credit are often still approved.

Cleanroom technicians in bunny suits assembling devices in a US medical device manufacturing facility

Invoice Factoring · Medical Device Manufacturing

Invoice Factoring for Medical Device Manufacturing shops

Get paid now for work you've already delivered. We match medical device manufacturing manufacturers with the invoice factoring structure that fits how you actually run — no equity given up, no application, origination, or closing fees to you.

Start a Quick App Call (844) 623-1234

Why medical device manufacturing shops choose invoice factoring

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.

Invoice Factoring is one of the most direct ways to close that gap. Turn unpaid invoices into cash today—stop waiting on net-60 or net-90.

What medical device manufacturing shops get

Cash within days instead of 30–90 days
Line grows with your sales—no fixed cap
Underwriting focuses on your customers' credit, not just yours
Frees up working capital for materials, payroll, and new orders

How it works

1You invoice your customer as usual after delivery.
2The factoring partner advances a large percentage of that invoice (often 80–95%) within days.
3Your customer pays the factor directly on their normal terms.
4You receive the remaining balance, less a small factoring fee.

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 placed into invoice factoring

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

Quick app for medical device manufacturing

Takes about 30 seconds. We'll match you with the right funding partner — no obligation.

Your name

Company

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How much do you need?

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Other programs that fit medical device manufacturing

Equipment Financing for Medical Device Manufacturing

Finance new or used machinery, CNC, robotics, and production lines.

Explore Equipment Financing for Medical Device Manufacturing

Asset-Based Lending (ABL) for Medical Device Manufacturing

Revolving lines secured by receivables, inventory, and equipment.

Explore Asset-Based Lending (ABL) for Medical Device Manufacturing

Invoice Factoring for other manufacturing niches

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Frequently Asked Questions

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.

Start the Conversation Call (844) 623-1234

Apply. Fund. Deliver. — No obligation.

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