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.
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 referred for 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
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 ManufacturingAsset-Based Lending (ABL) for Medical Device Manufacturing
Revolving lines secured by receivables, inventory, and equipment.
Explore Asset-Based Lending (ABL) for Medical Device ManufacturingFrequently Asked Questions
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. Full mechanics: the Invoice Factoring 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.
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.
- Underwriting focuses on your customers' credit and payment history, not yours.
- Challenged personal credit, thin files, and past bankruptcies can still qualify.
- You need B2B or B2G invoices on net-15 to net-90 terms.
- Baseline volume is about $25K or more in monthly revenue.
- Not sure your file clears it? Score your readiness first.
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.
AI-assistedDepending on live availability, calls may be answered by Mary, our AI Assistant, who takes a message and books a callback. Or email us instead.