Financing for Pharmacies

Pharmacy owners have unique needs to compete with the national chains crowding out the industry. For this reason, ARF Financial has created loan products specifically for pharmacies to serve their needs and remain competitive. While the industry has continued to be successful over the past 10 years and throughout the pandemic, quick access to capital remains key to overcoming short-term cash flow shortfalls or seizing long-term growth opportunities. When it comes to pharmacy financing, our team of seasoned loan consultants specialize in providing the trusted guidance you deserve to keep your pharmacy profitable.

Our focus is getting you the capital you need when you need it, without the hassles and long wait of a traditional bank. Confidently approach suppliers for best volume pricing when you have the funds available to make it happen. We will stick with you for the long haul, ensuring you can capitalize on new opportunities as they develop. Here are some common ways to put our pharmacy financing to work in your business:

Renovations, remodels and torefront improvements

Opening another location or purchasing an existing pharmacy

Purchase equipment and invest in new technology

Purchase inventory in bulk for discounted pricing

Buy out a business partner or pay off investor(s)

Start a new advertising and marketing campaign

What Makes ARF Financial Different?

Since 2001, we have helped thousands of pharmacy owners secure over a billion dollars in loan proceeds! The financing we provide is a true bank loan not a merchant cash advance, which means rates are lower, payments are fixed, terms are longer and the interest you pay is tax deductible. Through our exclusive relationships with community banks across the country, you can obtain the funds you need quickly with limited paperwork. It’s our job to understand your business goals, financing needs, and then customize a loan to meet those needs. You’ll receive the funds quickly, with fixed terms and affordable payments that won’t increase as revenue grows – maximizing your return on investment without sacrificing your cash flow.

Here are just a few of our loan program advantages:

Access loan amounts from $5,000 to $1,000,000

Limited paperwork

Fixed repayment terms up to 36 months

Same-day approvals and fundings in under a week

Streamlined process with minimal documentation

Ability to defer up to 50% of loan principal for lowest payment

All loans come with an optional line of credit

24-hour access to 5 loan drafts over a 6-month period

The interest paid is tax deductible

Early payoff options are available

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

Big projects usually mean big upfront investments, something you can’t get from a merchant cash advance. If you’re ready to take the plunge and go BIG, we have financing that’s the perfect fit. 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 size 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! Check out the comparison below:

*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 chain 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 stay ready for the unexpected with a line of credit from $5K to $500K to use for any business situation. With our line of credit, you receive 24-hour access to 5 separate loan drafts over a 6-month period. You’ll enjoy the freedom to draw funds as needed, paying interest only on the money you use.

Take Advantage of Growth Opportunities

If you own a pharmacy you’re probably familiar with how long a traditional bank can take to process a business loan. All too often that long wait makes it difficult to keep up with inventory needs and logistics costs as your business grows. Our Flex Pay Loan allows you to borrow now, grow now, and pay later! Flex pay gives you the ability to defer up to 50% of your loan principal into the future for the lowest payments now! It’s the perfect solution to get projects completed and begin earning a positive return on investment now without the stress to your cash flow.

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.


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

Our Unique Loan Products


Bankroll – Revolving Line of Credit

Your business is always evolving. Wouldn’t it be great to have a loan product flexible enough to evolve with it? Now you do! Our new Revolving Line of Credit – BANKROLL, provides the MAX loan approval, a fixed loan term up to 36 months, and a fixed weekly payment – plus the flexibility to pay down or draw funds on an unlimited basis!


Interest-Only Flex Pay Loan

We believe growing your business shouldn’t mean sacrificing your cash flow, and with ARF’s Interest-Only Flex Pay Loan it doesn’t. It allows you to quickly access from $50,000 to $750,000 and low interest-only payments for up to 1 year. And, it also carries an optional Line of Credit with unlimited draws for up to a year!


Lines of Credit

With a Line of Credit from ARF Financial, when opportunity knocks, business conditions change or unexpected expenses arise, you will be ready. It gives you 24-hour access to 5 separate loan drafts over a 6-month period. You can draw additional funds as needed and only pay for what you use!


Flex Pay Loans

Many merchants simply don’t dream big because they believe they can’t afford to borrow the funds needed to make those dreams real. Our Flex Pay loan solves that problem! Flex Pay allows your clients to defer up to 50% of their loan principal into the future, resulting in the lowest payments now!

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 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.

Business Loan Calculator

Use our business loan calculator to calculate loan amount.

Calculate Loan Amount

Use the sliders below to indicate annual sales, time in business and credit score.

Annual Sales
Time in Business
FICO Score
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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 individual and business bankruptcy. The use of this Loan Calculator tool is intended for illustrative purposes only and is not based upon any  information about the user and does not represent a specific loan offer or terms that may be accepted by the user.  A specific loan proposal can only be provided after completion of an application.  Please provide the requested contact information if you wish to be contacted by one of our loan consultants to receive a written quote.

Request a Custom Proposal

Enter your information below to receive a custom proposal from your local loan consultant containing loan amount, rate and term.

Terms and 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 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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