Personal Protective Equipment - PPE Financing

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PPE Financing

Due to the overwhelming impact of COVID-19, the need for Personal Protection Equipment (PPE) has increased worldwide.  PPE Equipment includes but not limited to: gloves, masks, hand sanitizers, gowns, medical & cleaning supplies.  Upwise Capital has developed strategic PPE financing solutions for distributors, manufacturers, and sellers of Personal Protective Equipment products. 


What is PPE Financing?

Personal Protective Equipment (PPE) financing can be used by distributors, manufacturers, and sellers of PPE products to finance their receivables or supply chain.  This can be done using a few different products such as invoice factoring, working capital, or via short-term loans.  Given the demand, many PPE manufacturers require cash upfront  vs the traditional NET 30-120 days after delivery, increasing the importance for flexible PPE financing solutions. 

PPE Loan Details

Maximum loan amount

$5K - $10M

loan term

6 Months - 2 Years

interest rates

7% - 25%


As Fast As Same Day

PPE Financing Loan Pros vs Cons



What is PPE?

Personal Protective Equipment, also known as PPE – is equipment worn to minimize exposure to hazards or illnesses.  Personal protective equipment may include items such as masks, gloves, safety shields, glasses, gowns, shoes, earplugs, hard hats, respirators, coveralls, vests, hand sanitizer and more.

In response to the Coronavirus (COVID-19) pandemic, the demand for Personal Protective Equipment (PPE) for first responders and people all over the world has increased drastically and a new industry was born.  Upwise Capital will work with you to assess your business needs and recommend the best PPE financing product for you.  

Who Qualifies for a Loan for Personal Protective Equipment?

If you can meet the below qualifications, you may be able to get approved for a PPE Loan:

  • You can demonstrate a history of profitable trading
  • Your business is creditworthy
  • You have a well-researched plan in support of your proposed venture
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5 Star Reviews on Google
5.0 Score on BestCompany

PPE Finance Requirements

Annual revenue

Over $120K

Credit Score

Over 600+

Time In business

6+ Months


Positive Payment History

* Note: These PPE financing requirements are based on previous Upwise customers and is just an average.

Type of PPE Equipment We Finance

  • Protective Equipment
  • Gloves
  • Masks & Face Protection
  • Eye Protection
  • Protective Gowns
  • Respiratory Protective Equipment
  • Hand Sanitizers
  • Medical Equipment
  • Cleaning Supplies
  • Plexi & Glass Dividers
  • Temperature Instruments & More…

How to Apply for a PPE Loan

We make it easy, simply apply online and we’ll be in touch to go over your options.

Personal Protective Equipment Loan


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Documents You'll Need to Apply

  • Completed Application
  • Driver’s License
  • Voided Business Check
  • Business Bank Statements (Last 6 Months)
  • Credit Score

You may also be requested to provide the following for larger dollar amounts over $100K:

  • Balance sheet
  • Profit & Loss Statements
  • Business Tax Returns
  • Personal Tax Returns
  • Account Receivables Report (if securing AR)
  • Inventory List (if securing inventory)

*See above for PPE Financing requirements. 

PPE Financing Available From Upwise

Mask Supply & Financing

This Product is designed for Masks Only.  Requires direct purchase order from a government agency, hospital group or large credit worthy customers. No upfront costs, proof of funds or escrow required. Financing costs are based on the size and complexity of the order, but typically range between 2-3% per 30 day period from shipment to receipt of invoice payment from the customer.

Glove Supply & Financing

This product is for Gloves only. No Customer or end-buyer Purchase Order (PO) needed. We can fund both sold or not sold goods. Upwise can provide both financing and supply of PPE gloves. No upfront costs, proof of funds or escrow required.

PPE Overseas Production Order

This product is designed for overseas Production Orders only. Requires direct purchase order from a government agency or hospital group. No upfront costs, proof of funds or escrow required. Financing costs are based on volume and complexity of the production order.

PPE Domestic Production Financing

This product is designed specifically for domestic Production Orders only. Requires direct purchase order from a government agency, hospital group, large corporate buyer, big-box chain or credit worthy end-buyer. Designed to cover direct production costs for materials, labor, packaging, shipping with third-party manufacturers or co-packers required to fill purchase order.

Personal Protective Equipment (PPE) Financing at Upwise empowers suppliers and buyers to facilitate B2B purchases with confidence.

PPE Financing

can be used for 
ppe financing - personal protective equipment

Upwise has been facilitating the financing and purchasing of much needed PPE supplies from around the world to support first responders of COVID-19 in the U.S. 

At a time when more traditional financing options, such as banks and other lenders have been less willing to provide capital, Upwise has stepped in. 

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