Working Capital · Medical Device Manufacturing
Working Capital for Medical Device Manufacturing shops
Cover the gap between orders and cash. We match medical device manufacturing manufacturers with the working capital 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 working capital
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.
Working Capital is one of the most direct ways to close that gap. Short-term capital to bridge payroll, materials, and growth spikes.
What medical device manufacturing shops get
- Fast decisions with minimal paperwork
- Uses vary: payroll, materials, repairs, marketing, buyouts
- No equity given up
How it works
- 1Submit a quick app so we can identify the right program.
- 2Provide bank statements and basic financials.
- 3Receive offers with terms and pricing—choose what fits.
- 4Funds land in your operating account.
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 working capital
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 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 — working capital is one of the programs we most commonly place for medical device manufacturing shops. Manufacturers who need fast, flexible short-term capital to smooth cash flow or fund a specific opportunity. Full mechanics: the Working Capital 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.
Amounts depend on revenue, time in business, and cash flow. Many manufacturers qualify for lines that scale with their monthly deposits.
- Facilities typically range from $25K to $5M.
- Approval leans on monthly revenue and bank activity more than collateral.
- Lines often scale with your average monthly deposits.
- Most programs want at least 6 months in business.
- If you invoice other businesses on terms, compare against invoice factoring.
- Score your readiness to see what size line your revenue supports.
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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