Business Loans for Laboratories

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Choosing the Best Laboratory Business Loan Program

We understand how challenging it can be for businesses to find the right funding solution, especially for businesses like your laboratory. Finding financing can be a complex endeavor — but we make it easy at AdvancePoint Capital. Regardless of credit scores, credit history, business needs, payment terms, and more — we’ll be your lending partner to help guide you through finance products available in the marketplace to find success.You will need a reliable lender for your laboratory, and that’s where we can help. AdvancePoint Capital makes the approval process a breeze, with quick and easy ways to get cash flow for laboratories fast. Sometimes, nothing is more complicated than dealing with banks, so we can show you how AdvancePoint differs as an alternative lending option.

Whatever comes next in your lab’s business, as your first choice of financing marketplaces, AdvancePoint Capital has the lending products and services necessary to grow and expand. Go online now to get a fast quote and find out how AdvancePoint Capital can help your business.


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The 8 Best Laboratory Business Financing Products

When it comes to discovering the financing option that works best for your laboratory, it’s essential to look through all of the available resources and products before determining which source of capital is most ideal.

Whether it’s choosing the right interest rate, terms, or repayment options, it’s essential to explore a wide range of products to find the perfect fit for you. At AdvancePoint Capital, our financing products are diverse — with a variety of lending partners to choose from — so let’s take a further look at six of the best loan opportunities for financing your small business:

Business Line of Credit

Unlike a short-term loan, business credit lines are a type of financing that offers flexible features for your business. Business lines of credit work like a credit card in that it is a revolving line of credit that allows you to draw money out, then repay it at any time. With a business credit line, you are only paying principal and interest on your outstanding balance. The product has a credit limit that you cannot exceed, set at the time of consummation.

Highlights of Business Line of Credit:

  • Lower costs and fees than that of short-term loans
  • Only responsible for principal and interest on the outstanding balance
  • Draw money out as you need it instead of a lump sum

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Business Lines of Credit

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Long-Term Small Business Loans

Long-term small business loans have a duration of 2 years or greater in the length of repayment. This finance option offers a fixed lump sum upfront, repaid over an extended period (greater than two years), with the costs based on a principal and interest rate.

Product Overview

Rates: Interest rates starting treasury index plus 1% to 2.5% (currently 5.5%)
Terms: 2 to 10 years
Fees: Origination fees 0% to 3%
Payments: Monthly or bi-weekly payments
Credit Standards: All types of credit up for review, good to excellent preferred

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Long-Term Business Loans

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Short- Term Loans

A Short Term Small Business Loan offers a fixed amount over a fixed term with a fixed factor cost, unlike a principal and interest loan. Payments are usually set up to be paid either monthly or weekly directly out of the bank account via ACH based on the term and payback amount. For manufacturing businesses looking for a reliable way to get capital fast, short-term loans are a sound solution to get the financing you need.

Highlights of Short Term Business Loans:

  • Same day to 24-hour application process (funds available)
  • All types of credit considered from excellent to poor
  • Limited paperwork needed for approval
  • Easier approval review and qualifications than other loans

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Short-Term Loans

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Equipment Financing

At the heart of any manufacturing company are the machines and/or equipment. Many times the cost to upgrade equipment well exceeds the available cash flow to support the purchase. Equipment loans enable the manufacturer to develop new product lines, improve quality controls, reduce labor costs, and improve the overall process and operations. Equipment loans are usually structured as a lease to purchase or fixed-term loans, making them a sound financing option for laboratories.


  • Minimal paperwork required
  • Repayment terms from 1 to 7 years
  • Affordable monthly payments
  • Frees up cash flow instead of depleting company cash reserves to purchase
  • Funds available same day to 24 hours

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Equipment Financing

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SBA (Small Business Administration) Loans

The U.S. Small Business Administration (SBA) is a federal government agency that provides programs, guidelines, and loan guarantees to approved lenders for business loans. SBA is not a lender and merely provides a guarantee giving approved lenders the ability to take on the risk of lending with attractive rates and terms that generally cannot be afforded to small businesses.

Without the Small Business Administration (SBA) present to provide guarantees, the approved lender would not be comfortable lending under the terms outlined by the SBA. The Small Business Administration’s programs are top-rated but challenging to acquire due to the requirements, guidelines, and restrictions.

The Paycheck Protection Program (PPP) is a government program that The Small Business Administration (SBA) and the U.S. Treasury Department have established in response to COVID-19.

The Paycheck Protection Program (PPP) is an SBA relief option that provides small business loans to small businesses affected by the Coronavirus (COVID-19) crisis and needs financial help. Under the right conditions, this SBA loan offers forgiveness. This PPP was designed for small businesses to retain employees and protect jobs during Coronavirus (COVID-19) pandemic. SBA Approved lenders provide financing for PPP. SBA and U.S. Treasury Announce PPP Re-Opening Second round of The Paycheck Protection Program PPP government program January 2021.

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SBA Loans

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Invoice Factoring/Financing

Invoice factoring/financing is a financial transaction type of debtor finance. This product allows your laboratory to get an advance on receivable invoices from clients. Invoice factoring allows the manufacturer to leverage outstanding invoices and receive advances off those invoices ahead of the “net” terms of 30 or 60 days the invoices typically take to get paid. Basically, it’s a sale of a receivable (invoice) to a third party (factoring company).

Highlights of Invoice Financing

  • Super-fast access to capital
  • Credit requirements based on your customer you are invoicing
  • Low fees, typically less than 2% of the invoice
  • No monthly payments, no long term debt obligations, no account receivable to collect
  • Funds available same day

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Invoice Financing

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Business Credit Cards

Business Credit Cards function and operate the same as personal credit cards, which are revolving lines of credit using a card with a specific account number. Credit cards are an excellent solution for your laboratory if you’re looking for smaller immediate purchases and a means to pay for supplies, bills, equipment, and other small items.

Highlights of Credit Cards

  • Revolving principal and interest cost
  • Builds positive credit
  • Easy to manage and use
  • Minimum monthly payments
  • Same day to 24-hour application process (funds available)
  • Paperwork? Nothing is required.


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Business Cash Advance

Business cash advances (BCAs) are a type of purchase of future sales agreement that advances future sales at a discount. The business is responsible for paying back a fixed amount (also known as a specified amount). The difference between the advance amount and the specified amount is called the “factor rate or cost.” A fixed percentage of future overall sale deposits is the method used for repayment. The payments are collected by an ACH fixed daily or weekly from the bank account based on the specified percentage of future sales.

Reconciliation can occur at the end of every month. If fixed payments taken are greater than the set percentage of sales in the agreement, businesses can request a refund for overpayment, so the set specified percentage of sales matches the sales volumes.

Product Overview

Rates: Factor rates from 1.09% up to 1.45%
Terms: Payoff dependent on future sales
Fees: Origination fees that range 0% to 5%
Payments: Weekly or daily
Credit Standards: All types considered
Application Process: Same-day to 24 hours from application to funds wired

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Business Cash Advances

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Benefits of Business Loans for Labs

  • Business Expansion
  • Research
  • Cash Flow
  • Equipment
  • Hire Employees and Managing a Growing Team
  • Making Payroll

Types of Laboratories We Serve Across Industries

  • Medical Laboratories
  • Hospitals Laboratories
  • Dental Labs
  • Research Laboratories
  • Chemical Laboratories
  • Mechanical Laboratories
  • Science Laboratories
  • Technology Laboratories
  • Design Laboratories
  • Manufacturing Laboratories
  • Development Laboratories
  • Testing Laboratories


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Additional Resources and Information

U.S. Treasury Small Business Lending Fund – Established by the Small Business Jobs Act of 2010 (the Act), the Small Business Lending Fund (SBLF) is a dedicated fund designed to provide capital to qualified community banks1 and community development loan funds (CDLFs) to encourage small business lending.

The purpose of the SBLF is to encourage Main Street banks and small businesses to work together, help create jobs, and promote economic growth in communities across the nation. The U.S. Treasury invested over 4 billion in 332 institutions through the SBLF program.

Why AdvancePoint Capital?

When shopping around for the one loan option that works for your business, it can be overwhelming to sift through the various institutions and opportunities. Nothing can be so frustrating, so why not go with AdvancePoint Capital? Well, not only are we experienced in the laboratory industry, but we also offer a wide range of loan and financing opportunities that you can take advantage of — giving you the flexibility and freedom to get the capital you need fast.

  • Experience in the Laboratory Industry – We have been financing laboratories for years.
  • Trust – Excellent reviews and feedback from laboratories
  • Loan Specialists – Experienced Business funding specialists who know the lab industry and can provide proper advice and information.
  • No cost, no commitment, nothing charged to get a quote
  • Products – We offer a wide variety of laboratory business loan products. We don’t just provide what we have; we deliver what’s available in the marketplace.

Start to grow your laboratory now with our quick application process!

AdvancePoint Capital is the fast, convenient and straightforward way to get the money you need for your business – now!

Get your quote today by filling out our simple form.


Get Quote Now!

The fast, convenient, and straightforward way to get the money you need for your small business – now!

Get your quote today by filling out our simple form.