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Sector Brief · Biotech & Life Sciences

Biotech & Life SciencesFinancing

Capital for the RTP bench.

Equipment, venture-aligned debt and working capital for the biotech, pharma and life-sciences operators across Research Triangle Park, Durham and Morrisville.

Soft credit pull 24-hour decisions 75+ lender network
Sector Memo

Biotech & Life Sciences financing for Raleigh businesses

Biotech and life sciences in the Triangle run on a deep bench of anchors - Research Triangle Park, Duke University, UNC, NC State, and the contract manufacturing footprint of Novo Nordisk in Apex and FUJIFILM Diosynth in RTP. Operators here range from early-stage therapeutics and diagnostics out of Duke and UNC labs to growth-stage CDMOs, CROs and lab-services companies billing global pharma primes. Financing this sector requires lenders who understand milestone-driven revenue, venture-aligned debt and lab-equipment collateral.

Equipment financing covers the heavy capex base - bioreactors, chromatography systems, cold-storage, mass spec, automated liquid handlers and full clean-room build-outs. The equipment is the collateral and the structure aligns to the development timeline of the program. Venture debt and revenue-based facilities fit growth-stage operators with proven contracts but pre-profit P&Ls. AR financing against pharma-prime receivables bridges the long payment cycles common in CRO and CDMO billing.

Quincy pre-screens by program stage, customer concentration and capital stack. A pre-clinical therapeutic with NIH grants and venture backing is a different lender profile than a profitable RTP CDMO with three years of clean financials, and both differ from a lab-services company billing Duke Health and UNC. The right lender for each lives in a different corner of the venture-debt, equipment-finance and AR-lending bench.

Programs · Biotech & Life Sciences

The programs we route most for biotech & life sciences

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  • 01

    Biotech & Life Sciences Loans

    RTP-based startups and contract manufacturers

    Lab equipment, cleanroom build-outs, working capital and bridge financing aligned to milestone-driven revenue cycles.

    • Lab equipment & cleanroom build-outs
    • Venture-aligned underwriting
    • Bridge to next raise
    Up to $10M
  • 02

    Lab Equipment Financing

    Mass spec, centrifuges, bioreactors

    Finance new and used lab equipment with the equipment itself as collateral - preserving runway for headcount.

    • 100% financing available
    • Section 179 eligible
    • Approvals in 24-48 hours
    Rates from 6.99%
  • 03

    Revenue Based Financing

    Non-dilutive growth capital

    Capital priced as a fixed multiple, repaid as a percentage of monthly revenue. Sized for SaaS-adjacent and tools-based life-sciences operators.

    • No equity dilution
    • Flexible repayment
    • $50K-$5M
    Pay as you earn
  • 04

    Asset-Based Lending

    Revolving line on the AR ledger

    A revolving facility secured by your receivables - for contract manufacturers and life-sciences services with consistent invoice volume.

    • Up to 90% AR advance
    • Reporting-friendly
    • Lines $250K-$20M
    Revolving
Ready to fund · Biotech & Life Sciences

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