Financing for Pharmacies

Pharmacy owners have unique needs to help them compete against big box giants crowding the industry. For this reason, ARF Financial has created financing options like our flex pay loans, working capital loans, lines of credit and bridge loans. These pharmacy loan products allow owners to serve their markets and remain competitive. Since 2001, ARF Financial has funded thousands of loans for independent pharmacy owners who need capital to compete with big box entities.

Throughout the pandemic, pharmacies have innovated to remain profitable, however, capital remains the key to overcoming short-term cash flow shortages, to cover inventory or seizing long-term opportunities like opening another location. Our pharmacy loans and lines of credit can provide access to loan amounts up to $1,000,000, and we can do it fast, funding your business loan in less than a week! When it comes to pharmacy financing, our team of seasoned loan consultants specialize in providing the trusted lending services to keep your business profitable and on track to achieve your long-term goals.

At ARF, our focus is to get you the working capital you need when you need it, all while providing seasoned guidance to help you maximize your return on investment. Confidently approach manufacturers for best volume pricing for your pharmacy when you have the capital needed to make it happen.


Common Uses of our Pharmacy Financing

Having worked with many pharmacy owners over the years, we have found they use our financing for a variety of reasons. Even without an immediate need they are establishing credit lines now. Being prepared is smart. Owners know opportunities and unplanned expenses can arise quickly and having access to committed working capital allows them to be prepared. Here are just a few examples of how pharmacy owners use our working capital loans and lines of credit:

Opening another location

Storefront improvements

Investing in new technology

Purchase inventory in bulk

Start a new marketing campaign

Buy out a business partner

When choosing the right business lender, it’s important to compare loan size and repayment terms because…

Size Matters!

Larger Loan Amounts, Longer Terms & Big Rewards

You can now borrow up to $1,000,000 with terms up to 36 months to fund your big projects while keeping your costs low. Our average loan amount is over six times larger and repayment terms are more than three times longer than a Merchant Cash Advance. Larger loan amounts mean you can invest in growth opportunities that will make a significant impact to your bottom line, and longer terms mean your payments are manageable and won’t interfere with your cash flow!


*Completing an application only takes ten minutes and won’t affect your credit.

The Difference is Insight

It Pays To Be Prepared

Pharmacy owners know their big box competitors are prepared for any eventuality so they too need need fast access to working capital as new opportunities and/or issues arise. ARF Financial will help you be ready for the unexpected  with our loans or line of credit from $5K to $500K to use for any business situation. With a line of credit, you only pay for what you use and it is tax deductible so you can comfortably borrow what you need exactly when you need it.

Expand Or Remodel

Any pharmacy owner knows how long a traditional bank can take to process a business loan. And the cost of that loan makes it prohibitive to keep up with much needed remodels or renovations. Our Flex Pay Loan allows you to borrow now, grow now, and pay later! Flex pay allows you to defer up to 50% of your principal into the future for the lowest payments now! And, all our loans come with fixed rates, transparent terms, and no need for collateral. With ARF Financial, you’ll be able to capitalize on growth opportunities now and pay back your loan when you’re ready.

Client Rewards up to $10,000!

For a limited time, we’re going big and rewarding our clients with up to $10,000 cash back. The more you borrow the bigger the reward. For every $100,000 you borrow, we have a $1,000 Amex Gift Card just for you!*

*Receipt of the Amex Gift Card(s) promotion is conditional based upon the following: Merchant’s approval under ARF Financial’s standard underwriting models and policies, merchant’s acceptance of an approved loan amount, rate and term; and merchant borrowing a minimum of $100,000 within 30 days of completed application to receive a $1,000 gift card, plus another $1,000 gift card for every additional $100,000 borrowed up to a maximum of $10,000 in gift cards. This offer is not guaranteed unless application is made by merchant, and merchant borrows in accordance with the guidelines provided herein. Merchants with active loans are excluded. Former merchants must be paid off 120 days or more to qualify. One promotion per guarantor only. ARF Financial reserves the right to terminate the offer at any time.

Minimum Qualifications


Industry Type

We lend to more than just restaurants. Over the years we’ve expanded our approved industry types. Click here to see the full list of industries.


Credit Score

We can work with merchants that have less than perfect credit. An applicant must have a minimum Equifax credit score of 551 or higher.


Time in Business

Applicant must own the business. The business must be open and operating under the same ownership for at least one month (30 days).


Annual Sales

Your business must generate a minimum of $17,000 per month in sales ($200,000 annually) from both credit card and cash.

How to Apply for Pharmacy Financing

If you are a business owner looking for working capital with the lowest payments possible, simply complete our online application today. There are 4 pre-qualification questions, 5 easy steps, and there is no hard credit pull so your credit will not be affected. Click here to get started. We also employ seasoned loan consultants who live and work in your area, who are knowledgeable about your specific market and will work side-by-side with you throughout the process

Types of Pharmacy Financing

ARF Financial gives pharmacy owners the opportunity to choose from many different financing options that best fit their business needs based on their unique circumstances. With many different types of business loans and lines of credit, our local loan consultants will help you determine which will be best for your specific needs while saving you the most money.

Pharmacy Working Capital

Pharmacies need consistent working capital. This has held true for every pharmacy owner we have ever spoken to since 2001. Working capital loans help finance the every day business operations with no hidden fees and without the payment fluctuations of a merchant cash advance. Our working capital loans fave fixed terms so the payments will never fluctuate and the interest is tax deductible so your loan costs even less in the long term.

Line of Credit for Pharmacies

A line of credit is an approved loan amount extended to pharmacies allowing them to draw upon when the need arises. This type of pharmacy financing gives owners the ability to pull funds from their line as needed and only pay interest on the money they take. Pharmacy owners have 24-hour access to 5 separate loan drafts over a 6 month period. Funds can also be requested online! Smart pharmacy owners know that business conditions can change quickly and having access to committed working capital can cover unexpected expenses and fund growth opportunities as they emerge. Thousands of pharmacy owners have learned that with a business line of credit from ARF Financial, they are prepared for anything.

Pharmacy Flex Pay Loans

Flex Pay Loans are perfect for pharmacies because they help you borrow now and pay later. Simply put, you can borrow what you need now to invest in opportunities for growth, and you won’t have to make payments until your project is completed! It allows you to defer up to 50% of the loan’s principal into the future for more affordable payments now with the flexibility to pay it back when the time is right. This maximizes your cash flow while providing you the capital you need now! Further repayment flexibility allows you to amortize the deferred principal over time, roll it into the future, or simply refinance it.

Fund Your Pharmacy with a Bridge Loan

Opportunities are plentiful right now for pharmacies. If you are experiencing strong growth but your bank is struggling to keep up with your funding needs, we have a solution. ARF has a loan product that provides ‘bridge’ or ‘gap’ financing so you can proceed with your growth plans while you work with your bank to secure traditional funding sources like an SBA loan. A Bridge Loan is a financial product that functions as a short-term amortizing loan to support projects or investments that are expected to generate high returns. Pharmacies, particularly in their early phases, frequently encounter opportunities for extreme growth, but often find themselves on the other side of a financial hurdle. Bridge Loans are an ideal financial solution to open the door to new opportunities.

SBA Loans for Pharmacies

These loans are notoriously difficult to get approved. And if they are approved, they take three to four months before a final approval is issued and the loan is funded. ARF Financial can get you approved for pharmacy financing in 24-48 hours with loan proceeds in your business account in as little as 3 days. If you are in the process of applying for an SBA loan and urgently need to take advantage of a business opportunity, our Bride Loan is the best option to help you capitalize on growth opportunities while waiting on your SBA loan.

Merchant Cash Advance

ARF Financial is not a cash advance company. The financing we provide is a true bank loan with competitive rates, fixed terms and without the long wait. While a merchant cash advance may provide quick access to cash, it has no fixed term and repayment is linked to your credit card sales which means payments are always fluctuating. A merchant cash advance can be extremely expensive if your sales are increasing. The higher your sales, the higher your payment and the faster the advance is paid back. Unlike a cash advance, pharmacy financing from ARF Financial has fixed terms and predictable payments that allow you to keep the additional profit generated from your hard work!

If you are a pharmacy owner looking for financing for your business, we can help you get funds fast, without collateral and with limited paperwork. That means the interest is tax deductible, rates are fixed, and you know the terms ahead of time. Pharmacy owners get the financing they need, with manageable payments that won’t increase as revenue grows. Contact our local loan consultants or apply below to get started now.

Use our Pharmacy Loan Calculator to Find Out How Much You Qualify For:

Use our Loan Calculator to determine the potential loan amount you may qualify for. Move the sliders below to indicate your business’s annual sales, time in business, your credit score, whether you own a home, and if you’ve declared bankruptcy and the calculator will serve up your potential loan amount based on 12, 18, 24 and 36-month terms!

Annual Sales
Time in Business
FICO Score
Please select an option
Please select an option
Term Loan Amount
12 month
18 month
24 month
36 month

Loan amounts may be increased with the review of tax returns and financials. Time in Business – Must be operating under the same ownership and concept. Homeownership – Home must be in your name. Bankruptcy – Includes personal and business bankruptcy.

Terms & Conditions

ARF Financial LLC is an exclusive third party originator and servicer of commercial loans for state charted community banks throughout the United States (“Partner Banks”), (collectively herein referred to as “Lender”). This Preliminary Loan Amount is based upon pre-underwriting standards consistent with Lender’s guidelines. This Preliminary Loan Amount is based upon the information provided by the Merchant in the Loan Calculator. This approval is contingent upon the accuracy and truthfulness of the information provided by the Merchant therein and on any additional information discovered by Lender during the Underwriting process including but not limited to the review of all financial information provided by the Merchant, the personal credit of any guarantor and/or any information available from the public domain relating to the business’ or the guarantor’s outstanding liens and judgments, collection issues, history of fraud, bankruptcy, or criminal activity; the status of the Merchant’s business entity with the State where they are located; or any other information that may reflect on the business or guarantor’s ability to repay this loan. The terms of this Preliminary Loan Amount may change based upon the review of all information noted above. The terms of this Preliminary Loan Amount (noted above or if modified during the Underwriting process) are not deemed approved until the Merchant agrees to and executes all necessary Loan documents and the Loan documents are countersigned and approved by an Officer of Lender. If Merchant executed no Universal Merchant Credit Application then this Preliminary Loan Amount is for discussion purposes only.

Quick & Easy Online Application

Use our online application to get approved in 24 to 48 hours! There are 5 easy steps, It only takes 10 minutes and won’t affect your credit.

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