Industries · Medical & lab supply
Institutions pay reliably. They just do not pay quickly.
Devices, consumables and reagents are bought, stored and delivered well before the hospital group or laboratory settles. We buy the supply invoice so the stock cycle is not funded out of your own pocket.
The problem
Supplying healthcare means financing it for a quarter.
Hospital groups, laboratories and pharmacy chains are strong credit and slow payers. The supplier carries inventory and terms at the same time.
Ahead of demand
Stock and compliance
Devices and consumables are ordered, certified and warehoused before any of it is invoiced.
Quarterly rhythm
Institutional payment cycles
Procurement in healthcare moves on its own calendar and rarely accelerates for a supplier.
Tender volume
Big contracts, bigger gaps
Winning a supply tender multiplies both the stock you carry and the receivable you wait on.
Your use cases
Where medical and laboratory suppliers lock up cash.
Every case below is funded the same way, by buying the invoice outright. Nothing changes in how you sell or who you sell to.
01 · Liquidity
Funding delivered supply invoices
We buy the invoice for goods already delivered to the hospital, laboratory or pharmacy group and pay you now.
02 · Inventory
Holding stock for a supply contract
Contracts require availability, which means capital sitting in a warehouse. Funding the ledger keeps that capital moving.
03 · Tenders
Winning a larger supply tender
A bigger contract needs more stock and a longer wait. Funding scales with the invoices you raise against it.
04 · Cost
Buying from manufacturers on better terms
Paying your own suppliers earlier improves unit pricing on every order you place.
How it works
Approved once, then it simply repeats.
Setup is a one-time review of your business and your customers. After that, funding an invoice is routine.
01 · Ledger
Submit the invoice
You send us the invoices you want funded, for goods or services you have already delivered.
02 · Diligence
We verify
We check the invoice and the credit standing of the customer behind it. Approval is a one-time setup, then it repeats.
03 · Purchase
We buy and pay
We purchase the receivable outright and pay you for it. It is a sale, not a loan, so nothing is added to your debt.
04 · Settlement
Your customer pays us
Your customer settles on their normal terms. You pay a fee on the invoices you sell and nothing on the ones you keep.
Structure
True sale
Speed
Days, not months
Pricing
Per invoice sold
Collateral
No personal guarantees
What it unlocks
What changes once the ledger is funded.
01
Stock that keeps moving
Capital is not parked in a warehouse waiting on procurement.
02
Tenders you can service
Take the larger supply contract and hold the availability it requires.
03
Stronger manufacturer pricing
Liquidity becomes leverage on the buying side.
04
No new borrowing
A true sale keeps the facility off your debt line.
Who qualifies
What we look for in a business like yours.
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