Funding Built for Medical & Janitorial Supply Distributors

Yes, this is the most common reason medical and janitorial supply distributors come to us. Your institutional buyers are large and slow to pay, but they're also creditworthy. Working capital advances you the cash now so you can buy inventory and make payroll while those net-60 and net-90 invoices clear, and you repay as the money comes in. We can also factor those invoices directly, turning the receivable into cash today instead of waiting out the term.

Yes. Government accounts are reliable but slow. Under the Prompt Payment Act and FAR 52.232-25, the payment due date is the later of 30 days after a proper invoice or 30 days after the government accepts the supplies, so a documentation hiccup or slow acceptance can push real cash well past 60 days. Funding bridges that wait so a government receivable doesn't tie up the cash you need to operate.

Factoring advances cash against your unpaid institutional and government invoices. Because your buyers (hospitals, health systems, long-term-care facilities, schools, agencies) are high-quality accounts, the receivable is strong, the wait is the whole problem. Instead of carrying a net-60 or net-90 invoice on your own books, you get most of that cash up front and the balance, less the fee, when the institution pays. It converts slow institutional paper into working capital without taking on a traditional loan.

Yes. Landing a new contract often means buying deep inventory up front, paying your manufacturers now, before the institution buys and pays you. Distributors purchase goods outright from manufacturers, taking title and ownership, then carry that stock until the customer pays, often under pricing negotiated by a group purchasing organization. Working capital funds that pre-buy so a big new contract becomes an opportunity instead of a cash squeeze.

Yes. Some high-value goods move on consignment and are paid for only upon use, and much of the catalog you buy outright sits in your warehouse before it converts to cash. Either way, your money is tied up in inventory that hasn't paid you back yet. We fund your business based on your overall revenue and how it flows, so capital tied up in stock and slow invoices doesn't have to stall the rest of your operation.

We fund your business, the distributor's own working capital. Our capital goes to your company so you can buy inventory, make payroll, and cover operating costs while you wait on the slow institutional invoice. We do not finance the hospital's or agency's purchase, and we are not a consumer or patient-financing program. How you bill and collect from your institutional accounts stays entirely with you.

No. We fund your business as a distributor, not a healthcare provider's patient claims. We do not buy or collect a hospital's medical or insurance claims, run your billing, or take over your government payment flow. Searches for medical supply financing often collide with revenue-cycle and patient-AR products we don't offer. We provide working capital and, where it fits, factoring on your commercial and government supply invoices, the receivables your distribution business actually generates.

Yes. Demand for supplies like PPE can surge violently, and hospitals widely run just-in-time inventory, so the distributor ends up holding the deep stock. A surge can force a large, speculative inventory buy financed entirely by you. Fast working capital lets you make that buy and capture the demand without draining the cash you need for payroll and day-to-day operations.

Yes. Much of the catalog is low-margin, high-volume work, PPE such as masks, gowns, and gloves is a low-margin, high-volume business, and GPO-negotiated contract pricing caps what you can charge while manufacturers must be paid up front. That makes the business live or die on working-capital velocity, not markup. We qualify you on your revenue and how your cash flows, not on a margin percentage, so thin margins on contract-priced goods don't disqualify you.

Most distributors we fund have been operating for at least 6 months and generate $10,000 or more in monthly revenue. All credit profiles are considered. Your sales history and how your business actually performs matter more than a perfect credit score.

Approval typically comes within 4 to 8 hours, with funds following shortly after. That speed is the main reason distributors choose us over a bank or an SBA loan, where the same request can take 30 to 90 days, long after you needed the inventory on the shelf to fulfill the contract.

No. Checking what you qualify for uses a soft credit pull that won't affect your score, and there's no obligation to move forward.