Serving businesses in Ohio
Your alternative financing solution for lab, pharma and medical goods suppliers.
Flexible finance that replaces rigid, old-style borrowing. Stop waiting 90 days to get paid.
Three short screens, then a 30-minute introductory call.
For US businesses that invoice other businesses on terms.
Without us90 days
With ConvertibillIn days.
Once you are approved and the invoice is verified.
The US team opens at 9am Eastern. Leave your details and we call you then.
- A quick yes or a quick no.We tell you quickly whether we can work together.
- A sale, not a debt.We buy your invoices outright.
- A named person to talk to.People you can call on our US team, not a call centre.
- By Credebt®.Part of the Credebt Group, trading worldwide since 2011.
Part of the Credebt Group. Trading worldwide since 2011.
Convertibill is the United States business of a group that finances trade across Europe, Africa, Asia and the Americas, with offices in Dublin, Athens and Birmingham. Check the group for yourself
- of trade financed by the group
- EUR 1.5b
- financed in 2026 to date
- EUR 61.33m
- trading worldwide since
- 2011
Credebt Group figures, checked 11-Nov-2026. They describe the group, not the terms of any US purchase.
Trades the group has financed.
From the Credebt Group's own record. These are group trades, not United States ones.
Wood cargo to China
Twenty-five years in timber, and nobody would fund him.
Manganese ore to India
He had the ore and the buyers, but not the finance.
Livestock to Libya
The contract was signed. The ship and the paperwork were not.
A mine in South Africa
A mine to buy, and equipment to bring in.
We know how hospital and pharma buyers pay.
Your invoice waits on goods receipt, a three-way match and a payables cycle measured in months. The product is often used up before the payment lands.
Who pays you
- Hospital and health system groups
- Pharmaceutical and biotech companies
- Contract research organizations
- Clinical and research labs
- Universities and research institutes
What we work from
- Purchase orders
- Certificates of analysis
- Packing slips with lot numbers
- Proof of delivery
- Supplier portal invoice approvals
Three ways to work with us.
Use one on its own, or combine them.
Sell your invoices
Sell the invoices you choose to hospital groups, pharma companies and labs, judged on your customers' strength, not only your own.
Get paid for your invoicesPay your suppliers early
Credebt pays your manufacturer or upstream distributor early, and you pay Credebt on the terms you already have.
Get your suppliers paid earlyFinance your equipment
Finance cold storage, lab instruments and warehouse equipment, with Credebt paying the supplier and every term in writing before you sign.
Get your equipment working
Four steps. You are paid when we buy.
Invoices are often paid later than the date they are due. You don't have to wait. See each step
- Without us
- 90 days
- With Convertibill, once approved
- Days
- 1
Choose the buyers and invoices.
Pick the hospital groups, pharma companies or labs, and the invoices you want to sell.
- 2
Send the receiving records.
Share the purchase order, invoice and proof of delivery, with lot numbers and certificates where your buyer requires them.
- 3
You're paid
You are paid when we buy the invoice, not when your customer pays.
- 4
Your customer pays Credebt
Your customer pays Credebt when the invoice falls due; how that is arranged with your customer is agreed with you before the first trade.
Why businesses choose Convertibill.
You choose what to sell.
Pick the customers and the invoices.
Judged on your customers.
The strength of the businesses that owe you counts, not only your own.
No blanket lien.
Nothing over your whole company.
Every term in writing.
You see each term and each charge before you sign.
Not borrowing. A sale.
We buy invoices you have already earned.
| What you get | Bank borrowing | Convertibill |
|---|---|---|
| No blanket lien over the whole company | No | Yes |
| You choose which customers and invoices to sell | No | Yes |
| A true sale, not a debt | No | Yes |
| Judged on your customers’ strength, not only your own | No | Yes |
| Quick application and decision | No | Yes |
| Funded in days, once approved | No | Yes |
| Grows as your sales grow | No | Yes |
| Use it only when you need it | No | Yes |
| No monthly instalments | No | Yes |
Built for businesses that are growing.
Say yes to the bigger order
Twice the order no longer means twice the wait.
Take on the new customer
A strong buyer on long terms becomes good news.
Hire ahead of the contract
Payroll is weekly. Your customers pay later. We close the gap.
Pay your suppliers on time
Suppliers paid on time give you their best terms.
Industries we serve.
Not listed? We still want to hear from you.
- Importers, distributors and wholesalers
- Lab, pharma and medical goods suppliers
- Aviation MRO and parts
- Architecture and engineering
- Contract and component manufacturing
- Food and beverage
- Staffing and recruitment
- IT and professional services
- Oil and gas services
- Government contractors
- Electronics and components
- Chemicals, plastics and packaging
- Construction and trades
Questions your trade ask us.
Talk to our US team.
We work with suppliers whose invoices sit in hospital and pharma payables queues for months.
Direct Dial
The US team opens at 9am Eastern. Leave your details and we call you then.
Three short screens, then a 30-minute introductory call.