Buy vaccines, injectables, frames and supplies in the quantities that make sense, without draining the account that covers payroll.
See My OfferMedical Supply Inventory
Bulk orders cost less per unit. Working capital lets you take the better price and keep cash on hand for the rest of the practice.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
5-minute application and about three months of statements. No tax returns. Funding in as little as 24 hours for qualified practices.
FICO 500+ considered. Consistent deposits from patients and payers count, and we start with a soft pull.
The full repayment amount is shown in your offer before you accept. No surprise costs after signing.
Your repayment schedule is set out in the offer up front, so you can match it to inventory turns.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Ask a family practice, a dermatology clinic and an optometry office what they keep on the shelves and you will get three very different answers. Vaccines and injectables. Fillers and skincare lines. Frames and contact lens stock. What they share is that the inventory is paid for well before it turns into revenue, and buying in larger lots is usually cheaper per unit. Vendors also run allocation windows, especially for seasonal vaccines, and practices that commit early tend to get the quantities they asked for.
That leaves a choice: buy small and pay more, or buy smart and tie up cash you need for payroll.
| Practice type | Typical inventory purchase |
|---|---|
| Primary care and pediatrics | Seasonal vaccine orders, testing kits |
| Dermatology and med spa | Injectables, retail skincare |
| Optometry | Frame boards, lens and contact stock |
| Podiatry and orthopedics | Bracing, orthotics, DME |
| Urgent care | PPE, wound care, point-of-care supplies |
The best time to fund inventory is just ahead of demand. Pre-booking flu vaccine, loading up before a cosmetic promotion, or refreshing frame boards before back-to-school are all examples where the purchase pays for itself quickly. Funding to cover last season's stock that is still sitting on the shelf is a different conversation, and usually a sign to adjust order sizes.
Before you request funds, pull a simple report of what sold through last quarter and what is still on hand. That one page usually tells you the right order size better than any rule of thumb.
Practices that reorder often may prefer a line of credit so they draw for each order rather than taking one lump sum.
About three months of business bank statements and a 5-minute application. No tax returns. We start with a soft credit pull and consider FICO 500+. Funding runs from $25,000 to $5,000,000, and for qualified practices it can arrive in as little as 24 hours.
Your offer shows the total repayment amount and the full schedule before you accept. If reimbursement timing is the real issue behind tight cash, see funding for medical billing delays. Otherwise, apply here.
Yes. Many practices use working capital to pre-book seasonal vaccines and other supplies ahead of demand.
Not to apply. Having your supplier quote ready helps you request the right amount.
Working capital is based mainly on your business deposits, not a lien on specific stock.
FICO 500+ is considered, and credit is weighed alongside your deposit history.
Funding can arrive in as little as 24 hours for qualified practices, so you can move on vendor pricing windows.
Example uses for illustration only.
Practices that manage stock well tend to get cleaner reviews.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding