Business funding for pharmacies.
Capital for inventory, automation, build-outs, and acquisitions — independent pharmacies welcome. Available in all 50 states. Decisions in 24 hours.
Built for pharmacies. Built for speed.
Independent pharmacies live with inventory tied up in slow-moving SKUs and PBM payment cycles that don't always cooperate. ShopFunders funds inventory buys, dispensing automation, store remodels, and acquisitions in 24–72 hours — sized to prescription volume and the realities of pharmacy cash flow.
Decisions in 24 hours
Submit before noon, get a decision by end of day. Most banks take weeks — we commit to 24 hours, every time.
No collateral, no PG
We fund based on your business's revenue. No home pledged, no personal guarantees, no liens on your assets.
Industry-specific structures
Repayment that flexes with prescription volume and PBM payment cycles.
Capital that solves real pharmacy problems.
Pharmacy Owners face inventory tied up in slow-moving SKUs, PBM payment cycles, and the cost of dispensing automation. Our funding is built for that — fast capital you can deploy for inventory buys, automation upgrades, store remodels, or acquiring a retiring pharmacy.
Three steps. Zero runaround.
Apply in 2 minutes
Tell us about your pharmacy and how much capital you need. No credit check to apply.
Decision in 24 hours
Our underwriting team reviews same-day. We say yes fast — or tell you exactly what we'd need to get there.
Funded in 24–72 hours
Sign your term sheet, send your bank statements, and capital lands in your business account.
Real owners. Real reviews.
"Literally the best. The team at ShopFunder are professional and second to none when it comes to meeting or exceeding expectations."
"ShopFunder is A1! Helped so much!"
Pharmacies funding FAQ.
Do you fund compounding and specialty pharmacies?
Can I use this to acquire another pharmacy?
How does this work with PBM reimbursement cycles?
Will this affect my DEA, state board, or accreditation?
Pharmacies funding in all 50 states.
We fund pharmacies anywhere in the U.S. Pick your state to see local funding details, common use cases, and underwriting criteria.
Capital that moves at your speed.
Apply in about 2 minutes. No collateral. No credit impact to apply. Decision in 24 hours.
Apply Now →$25K–$1M+/month · No collateral · Funds in 24–72 hrs
How pharmacy funding actually works
Independent pharmacy is a working-capital knife fight: drug inventory is brutally expensive, PBM reimbursements arrive late and sometimes below cost, and DIR fees claw back margin months after the sale. Meanwhile the front end, delivery service, and clinical programs that actually differentiate you all need investment.
Inventory funding keeps the shelves full without starving operations; working capital bridges reimbursement cycles and funds delivery, immunization programs, and front-end remodels. Underwriting reads your script volume and revenue.
What pharmacies qualify for
Most pharmacies qualify for $10,000 to $2,000,000 based on monthly revenue — typically 3+ months in business and roughly $10,000+ per month. Recent business bank statements are all it takes to start, decisions arrive in about 24 hours, and funds typically land within 24–72 hours of accepting.