This Is Why You're Here
Why Medical Suppliess Come to Us Instead of Their Bank
A hospital system awarded you a supply contract — $50K/month in recurring orders. Initial stocking and compliance setup cost $120K. They pay net-60 through their GPO.
A flu season surge doubled demand for PPE and diagnostic supplies. You need $80K in emergency inventory. Manufacturers want prepayment during shortage conditions.
FDA requires a recall-ready inventory tracking system. Implementation costs $35K including software, barcode infrastructure, and training.
A surgery center chain wants you to supply sterile instruments and disposables across 8 locations — $15K/month recurring. Initial product stocking and cold chain setup cost $65K. They pay through their GPO on net-75.
Your manufacturer just discontinued a high-demand wound care line. The replacement product requires new certifications and $40K in initial inventory. Your existing customers need supply continuity in 30 days or they'll switch distributors.
A hospital system awarded us a $50K/month supply contract but needed $120K upfront for stocking and compliance setup. Basecamp funded the full amount in 3 days. That contract has been running for 14 months now.
Patricia H., Medical Supply Distributor, Nashville, TN
Medical Supplies Financing
Get Your Medical Supplies Business Funded in 60 Seconds
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. Soft-pull pre-qual.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · No obligation · Estimate only
Built for Your Business
Why Medical Supplies Businesses Choose Basecamp
Hospital Contracts Pay Net-60 or Worse
You won a hospital supply contract worth $50K/month. But they pay through their GPO on net-60 — sometimes net-90. That's $100K-$150K in delivered product before you see your first check. We bridge that gap in 48 hours.
Surge Demand Hits Without Warning
Flu season doubles PPE demand overnight. Manufacturers switch to prepayment during shortages. You need $80K in emergency inventory right now — not after a 2-week bank review. We fund surge purchasing same-day.
FDA Compliance Costs Are Non-Negotiable
A recall-ready tracking system costs $35K — software, barcoding, training. Without it, you lose your distribution license. This isn't optional spending. It's the cost of staying in business. We fund compliance upgrades fast.
Contract Stocking Is All Upfront
Landing a hospital contract costs $120K in initial product stocking and compliance setup. The $50K/month recurring revenue is incredible. But every dollar of setup cost hits before the first order ships. We fund the launch so you capture the contract.
Bobby's Take
Bobby's Playbook for Medical Supplies
Most medical supplies wholesale distributors carry receivables that banks treat as collateral but don't actually finance against. What specialist lenders see is that hospital-system and surgery-center net-60 receivables with FDA-regulated inventory are one of the most reliable cash-flow signals in commercial lending — and they fund against it differently. Invoice factoring, asset-based lines, and stacked working capital all start from your receivables, not from your balance sheet. Here's how to position your transaction so the right specialists see it first.
Three things determine whether a medical supplies wholesale transaction closes: customer mix (hospital systems, ASCs, physician practices), FDA-compliant inventory tracking, and your authorized-distributor agreements. Not your personal FICO. Not your time in business. Specialist medical supplies wholesale lenders care about whether your monthly account revenue supports a $4,000-$7,000/month payment — and whether your hospital-system and ASC contracts give the file recurring contracted-revenue stability.
The biggest mistake medical supplies wholesale operators make: applying without showing FDA-compliance documentation upfront. Lenders see medical supplies and underwrite for unknown regulatory risk. The fix: include a one-page summary of FDA registrations, distributor authorizations, and compliance history. Specialist medical supplies wholesale lenders price documented compliance as risk-mitigated. Generalist lenders apply unknown-risk premiums.
hospital-system rollout revenue lost without inventory
Where this gets interesting at scale: a medical supplies wholesale distributor adding warehouse capacity, expanding into a new product category (e.g., surgical instruments), or buying a building doesn't need ONE loan. They need a working capital line for inventory + invoice factoring on the longer-paying hospital-system accounts + purchase order financing for big customer pre-buys + sometimes a SBA 504 for a building. Four products, multiple lenders, one application — that's how single-warehouse medical supplies distributors scale into multi-region authorized-distributor operations.
The medical supplies wholesale operators who scale fastest aren't the ones who waited for the hospital-system contract to be signed before adding inventory. They're the ones who had inventory and warehouse capacity ready when a hospital system offered a new product-category consolidation. Turning down a hospital-system rollout because you can't add inventory is $150,000-$400,000 in monthly recurring contracted revenue. Run the numbers in 60 seconds — see what 70+ specialist lenders will offer your medical supplies wholesale business this week.
Bottom line:
Medical supplies wholesalers get hit with unknown-risk premiums when FDA-compliance documentation belongs on page one of the file. Include registrations and authorizations — that's how a specialist removes the regulatory discount.
Bobby Friel
Founder, Basecamp Funding
What You're Up Against
The Real Challenges Medical Suppliess Face
Pricing Transparency
What Medical Supplies Funding Actually Costs
Rates and terms depend on credit, revenue, time in business, and lender. Every business is unique — see what 70+ lenders will offer you in 60 seconds. Soft-pull pre-qual.
These are industry averages. Your actual rate depends on your revenue, credit profile, and time in business — it could be lower. Run your specific numbers in 30 seconds.
Calculate Your Real Cost →Medical supply is one of the stickiest verticals — once a hospital locks you in, that contract runs for years. A $120K setup cost for a $50K/month recurring contract? That pays back in under 3 months. We fund hospital contract stocking all the time.
Bobby Friel
Founder, Basecamp Funding
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Intake
Tell us about your operation, product category, and monthly revenue. No inventory aging report yet.
Soft Credit Screen
We screen options with no impact on FICO or supplier credit lines.
Wholesale-Specialty Lenders Compete
70+ lenders who fund distributors, importers, and wholesalers review your file in parallel.
One Specialist, Multiple Term Sheets
Your funding specialist walks through inventory finance, PO finance, and factoring structures.
Choose Your Offer, Sign, Get Funded
E-signature. Capital lands in time to fund the next inventory buy or PO.
Medical Supplies Capital Uses
What Medical Supplies Businesses Use Funding For
Working Capital & Cash Flow
Bridge the gap between paying suppliers and collecting from customers. Keep operations running.
Inventory & Purchase Orders
Fund large inventory buys. Fill purchase orders without draining your cash reserves.
Warehouse & Facility
Expand warehouse space, add racking, or purchase a facility with SBA financing.
Fleet & Delivery
Finance delivery trucks, vans, and logistics equipment to expand your delivery radius.
Invoice Factoring
Convert net-30/60/90 receivables into cash in 24 hours. Stop waiting on slow-paying customers.
Import & Export
Bridge ocean transit cash gaps. Finance containers, customs bonds, and international freight.
Full Transparency
What Kills Your Qualification (And What Doesn't)
Most lenders won't tell you this upfront. We will.
✅ These Won't Stop You
These Can Be Deal-Breakers
Need commercial insurance for your medical supplies business?
Inventory and warehouse insurance is required for most business loans. InsuranceService365.com covers distribution companies across 29 states.
Don't Wait Until You Need Funding to Get Funded
Distribution is a working capital business. Customers pay net-30/60, suppliers want deposits, and the season's biggest buy hits before the season's biggest revenue. The distributors who scale pre-qualified BEFORE the next big PO arrived. By the time you're scrambling for $500K in inventory, the lender wants to see why you didn't plan ahead. Pre-qualify when turns are steady.
Ready?
See What Your Medical Supplies Business Qualifies For
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · No obligation · Estimate only
Other Wholesale & Distribution Companies Specialties We Fund
Click any specialty for tailored financing options.
Recommended Products
Recommended Funding for Medical Supplies Businesses
Working Capital
Fund inventory purchases and warehouse costs. Funded in 24 hours.
Learn More →Invoice Factoring
Get paid on customer invoices today instead of waiting 30-60 days.
Learn More →Business Line of Credit
Revolving access for inventory replenishment and seasonal buys.
Learn More →Equipment Financing
Finance forklifts, racking, and warehouse equipment — asset-backed.
Learn More →FAQs
Medical Supplies Business Loan FAQs
Medical Supply Distribution Loans — $10K to $20M+
Medical supply distribution has the best recurring revenue in wholesale. Once a hospital locks you in, that contract runs for years. But the entry cost is brutal. $120K in stocking and compliance setup before you ship a single box of gloves. And the hospital pays net-60 through their GPO. That means $170K out the door before the first check arrives. Banks see healthcare receivables and get nervous about the payment cycle. We see a 3-year contract with a 97% renewal rate.
And then there's the surge problem. Flu season hits, PPE demand doubles overnight, and manufacturers switch to prepayment. You need $80K in product right now. Not next week. We've funded medical supply distributors from $20K inventory orders to $1M contract setups. 60-second application, no hard pull, and our lenders actually understand what a GPO is.
Stop Letting Inventory Cycles Outpace Customer Payments. Get Your Medical Supplies Operation Funded Today.
60 seconds. Soft-pull pre-qual. No obligation.
See What You Qualify For →Soft-pull pre-qual · Free to check · Nationwide