Medical supply distributors face mounting pressure from slow credit approvals and stretched payment cycles. According to the Healthcare Distribution Alliance, delayed credit decisions lead to lost sales and order abandonment. When clinics need urgent supplies, waiting over a week for credit review isn't viable.
Instant AI-driven underwriting changes this dynamic entirely. It enables real-time approval decisions for complex multi-site healthcare buyers. With Resolve's instant business credit checks, distributors approve orders quickly while maintaining cash flow and eliminating manual AR burdens.
Multi-site healthcare buyers—hospital systems, clinic networks, dental service organizations (DSOs), and healthcare franchises—represent a substantial share of medical supply purchasing volume. These high-value customers create complex credit and accounts receivable challenges.
Multi-location healthcare facilities often operate with decentralized purchasing structures. Individual clinics or departments maintain autonomy over supplier relationships. Meanwhile, the parent organization handles payment.
This creates several operational headaches:
These complexities lead to extended Days Sales Outstanding (DSO). According to The Hackett Group, healthcare suppliers experience average collection periods of 40-70 days—significantly longer than other B2B sectors.
Traditional credit underwriting processes rely heavily on manual review. They examine financial statements, credit bureau reports, and basic business verification. For multi-site healthcare buyers, this approach is fundamentally inadequate.
It fails to:
The result is either overly conservative credit decisions or excessive risk exposure. This forces medical supply distributors into an impossible choice between growth and risk management.
Instant underwriting transforms the healthcare supply chain. It replaces extended credit approval bottlenecks with real-time decisions. Orders keep flowing while rigorous risk standards remain intact.
This technology leverages AI-powered models. They evaluate thousands of data points to provide immediate credit decisions without compromising thoroughness.
Modern instant underwriting systems move beyond traditional financial statement analysis. They incorporate healthcare-specific risk indicators.
These AI-powered models evaluate:
This enhanced accuracy enables suppliers to safely approve more applications. They maintain disciplined risk management throughout the process.
For qualified healthcare buyers, instant underwriting enables immediate order approval. Many qualified clinics receive approvals up to $25,000 without manual intervention, subject to underwriting criteria.
This allows medical supply distributors to:
Immediate order confirmation gives suppliers a significant competitive advantage. Healthcare buyers increasingly expect rapid credit decisions.
Learn how Resolve's Business Credit Check tool delivers instant, data-rich credit decisions requiring only your customer's business name and address.
Extending net terms to healthcare buyers is essential for competitive positioning. Traditional approaches create cash flow constraints that limit growth. Resolve's B2B Net Terms solution eliminates this trade-off.
It advances up to 90% of invoice value within 24 hours, subject to program terms. Your clinic customers enjoy flexible payment terms simultaneously.
The advance pay model transforms your cash flow dynamics. It provides immediate liquidity while maintaining customer relationships through extended payment terms.
Benefits include:
This approach enables medical supply distributors to offer payment flexibility. Healthcare buyers demand it while maintaining necessary cash flow for inventory and operations.
Resolve's advance pay model provides non-recourse protection on approved invoices, subject to program terms and conditions. You're protected from buyer defaults under the program framework.
All cash advances are non-recourse, so what you get is yours to keep under program terms. This protection is critical in healthcare. Payment delays can significantly impact supplier viability.
By transferring default risk to Resolve under the program, you can confidently extend credit. You can approve qualified clinic buyers without exposing your business to excessive risk.
Discover how Resolve's advance pay Net Terms platform advances up to 90% of invoice value using proprietary AI credit models.
Manual accounts receivable processes consume valuable time. They create operational inefficiencies directly impacting cash flow. AI-powered automation streamlines the entire AR lifecycle.
From initial credit approval through final payment reconciliation, manual overhead reduces. Accuracy improves and collections accelerate.
Healthcare suppliers often manage multiple invoice types simultaneously. Net terms for established customers, COD for new buyers, due-upon-receipt for urgent orders.
Resolve's AI-powered platform handles all invoice structures automatically:
This comprehensive automation reduces administrative burden. Every transaction is properly recorded and reconciled.
Beyond basic automation, AI agents actively manage collections workflows. They accelerate payment without requiring manual intervention.
Features include:
The result is substantially less time managing receivables and faster payment collection compared to manual processes.
Explore how Resolve's automated AR management platform streamlines credit, invoicing, and collections while empowering finance teams.
Healthcare suppliers operate in a highly regulated environment. Compliance verification is essential for avoiding significant financial penalties. Instant underwriting must incorporate rigorous compliance screening while maintaining transaction speed.
Resolve's quiet pre-approval checks enable you to verify clinic creditworthiness discreetly. No customer interaction required. This approach needs only your customer's business name and address.
It typically delivers comprehensive credit assessment within 24 business hours, including:
This comprehensive compliance screening protects suppliers. You avoid inadvertently doing business with unlicensed or sanctioned entities. The professional customer experience remains intact.
Healthcare regulatory compliance violations can substantially increase supplier credit risk. Default protection becomes essential. Resolve's non-recourse financing model, subject to program terms, protects you from buyer defaults.
Resolve handles the credit assessment, credit decision, and majority risk of late payments or defaults under the program framework.
According to the National Health Care Anti-Fraud Association, healthcare fraud and abuse violations affect a notable portion of healthcare expenditures annually. This creates inherent risk for suppliers extending credit.
Learn why Resolve is superior to traditional factoring with non-recourse financing, subject to program terms.
Maintaining direct customer relationships is essential for healthcare suppliers. You've invested in building trust and brand recognition within the medical community.
White-label payment portals ensure your brand remains front and center. Buyers enjoy flexible payment options throughout the experience.
Resolve's branded payment portal consolidates all payment methods. A single, professional interface maintains your brand identity.
Options include:
This payment flexibility accommodates diverse clinic preferences. Your payment processing infrastructure simplifies.
Unlike traditional payment processors inserting their branding into customer interactions, Resolve's white-label solution ensures that:
This brand control is essential for healthcare suppliers. You've built your business on direct relationships with medical facilities and clinic networks.
Discover how Resolve's branded B2B Payments offers portals with ACH, credit card, wire, and check options.
Seamless integration with existing commerce and accounting systems is essential. Healthcare suppliers can't afford operational disruption during implementation. Resolve's flexible integration architecture fits directly into your existing stack.
Minimal configuration required.
Checkout extensions enable you to embed Net 30, 60, or BNPL options. They integrate directly into your existing ecommerce flow without requiring custom development.
Platform support includes:
These integrations enable instant credit approval at checkout. Many qualified purchases receive immediate approval without manual intervention, subject to underwriting.
Automatic synchronization with accounting systems ensures financial records remain accurate. No manual data entry required.
Integration options:
No need to manually enter customer information into Resolve. Automatic syncing imports required data from your existing systems. Consistency across platforms is ensured.
See how Resolve's platform integration options automate credit, invoicing, reconciliation, and collections with instant plug-ins.
Days Sales Outstanding (DSO) represents a critical cash flow metric. Healthcare suppliers see industry averages ranging from 40-70 days according to benchmarking data.
Automated collections workflows can dramatically reduce DSO. The manual effort traditionally required to chase payments is eliminated.
AI-driven payment reminder sequences ensure collections follow-up happens consistently. Professional execution without requiring manual intervention.
Features include:
These automated workflows ensure collections follow-up happens consistently. No valuable staff time consumed.
Healthcare suppliers using automated AR management report substantially less time managing receivables. Payment collection accelerates significantly.
This dramatic improvement comes from:
The result is improved cash flow without administrative burden. Traditional accounts receivable management overhead is eliminated.
Learn how Resolve's automated Net Terms solution automates credit checks, payment reminders, and collections workflows.
The combination of instant underwriting, advance pay net terms, and automated AR management delivers measurable business outcomes. Healthcare suppliers implementing these solutions effectively see real results.
Healthcare suppliers using comprehensive B2B payment solutions report significant improvements. Both operational efficiency and customer relationships benefit.
Outcomes include:
These outcomes directly translate to improved cash flow. Customer lifetime value increases and competitive differentiation in the marketplace strengthens.
The speed advantage of instant underwriting represents perhaps the most dramatic improvement. Credit checks complete significantly faster than traditional bureau processes.
This acceleration enables:
These speed improvements are particularly valuable in healthcare. Urgent supply needs can't wait for traditional credit review timelines.
Implementing instant underwriting for healthcare buyers requires a structured approach. Seamless integration is ensured while maximizing business impact.
Resolve's custom implementation process follows a proven methodology for healthcare suppliers.
The initial implementation phase focuses on technical integration and data preparation:
This phase commonly takes several weeks to a few months depending on system complexity.
The second phase focuses on operational enablement and process optimization:
Custom plans include ecommerce integration, accounting/ERP sync, net terms checkout extension, API access. Tiered advance rates based on risk are available.
Review Resolve's custom pricing plans to understand how implementation tailors to your specific healthcare supply business needs.
You only need the clinic's business name and address to initiate a credit check with Resolve. Our system handles verification of healthcare licenses, DEA registrations, OIG exclusion status, and other compliance requirements discreetly. No customer interaction or extensive documentation required.
Many qualified multi-site clinics receive instant approval for purchases, subject to underwriting criteria. For larger credit lines or complex enterprise structures, approval typically occurs within 24 business hours. This represents a significant improvement over traditional credit processes according to industry benchmarking data.
Resolve's financing is non-recourse on approved invoices, subject to program terms and conditions. You're protected from buyer defaults under the program framework. All cash advances are non-recourse under program terms. Resolve handles collections and assumes risk of late payments or defaults per program agreement.
Resolve integrates with QuickBooks Online, Xero, NetSuite, Sage Intacct, Oracle, and other leading ERP platforms, subject to availability. The integration automatically syncs transaction data for real-time bookkeeping. Manual data entry across systems is eliminated. Fees range from 2.61% to 3.5% on 30-day net terms, subject to underwriting and plan details per the current pricing page.
This post is to be used for informational purposes only and does not constitute formal legal, business, or tax advice. Each person should consult his or her own attorney, business advisor, or tax advisor with respect to matters referenced in this post. Resolve assumes no liability for actions taken in reliance upon the information contained herein.