Pharmacy Business Loans & Financing

Faster, easier small business financing with one simple application—no bank needed.

Applying is free and won’t impact your credit.

Reviews from pharmacy owners.

Lendio knows pharmacy small businesses.

Whether you’re looking to smooth out payroll and inventory costs or expand your pharmacy business with additional locations, Lendio can help you get customized financing solutions with just one application. 

Running an independent pharmacy can be rewarding yet challenging. While you wait for customers to pay or for health insurance companies to send payment, you have bills to pay and expansion opportunities to explore. The right type of small business loan can ensure your business is prepared. 

Pharmacy financing for your independent operation can make a huge difference in successfully competing against corporate competitors. Stay up to date with the latest industry innovations while also seamlessly dealing with challenges like rising prices and supply chain issues.

Why Lendio?

Quick decisions and funding times

The Lendio application takes just 15 minutes to complete, so you can get back to growing your business. Once you pick the best pharmacy financing option, you can get funding in as little as 24 hours. 

On-demand professional help

You don’t have to navigate the decision process on your own. All Lendio applicants are assigned a dedicated funding manager to answer questions about the application or financing offers. 

All-access pass with one application

Don’t waste your time submitting multiple loan applications in the hopes of finding the best one. Instead, get access to over 75 lenders in the Lendio network to compare multiple offers at once—all with a single loan application.

How our loan matching process works.


Fill out our simple application.

Answer just a few questions about your business to see which lending products you qualify for. We’ve partnered with over 75 lenders, allowing us to find the best option or your business.


We’ll connect you with a funding specialist.

One of our funding specialists will reach out to you to get to know your business better. Since every business is unique, we want to make sure we find the loan type that’s perfect for your needs.


Compare loan offers.

Compare different offers curated for your business. Select the capital amount and rate that will help take your business to the next level.


Get funded.

We work with lenders that can fund you fast. Once you’re approved, you’ll be able to access your capital in as little as 24 hours.

Types of business loans for pharmacies.

Revenue-based financing

When you have ongoing revenue through your pharmacy business, you may qualify for revenue-based financing, such as a cash advance. You receive a lump sum up front, then repay the balance, plus a fee, which is automatically deducted as a percentage of your sales.


1-15 months

$1 million

Debt financing

Debt financing is a reliable way to borrow money for your business. They generally come with fixed rates and a set repayment period, so you can plan ahead in your business forecasting. Online term loans come with fast approvals and funding time, whereas SBA loans have competitive rates, but often take a while to finalize.


6 months-25 years

$5 million

Line of credit

Only borrow what you need with a line of credit (LOC). Whether it’s covering an inventory purchase, an emergency expense, or a growth opportunity, you can draw on your LOC, only paying interest on your outstanding balance.  


6-24 months

Up to $250,000

Equipment financing

Equipment financing helps you pay for large equipment purchases. Whether you need refrigerators, freezers, racks, or PPE, an equipment loan can make it possible.


1-5 years

$5 million


Pharmacy financing is when a business borrows money to fund things like general operating expenses, a specific purchase, or a growth opportunity. Funding offers can be structured in many different ways, including term loans, lines of credit, cash advances, or equipment financing.


Apply through Lendio to access multiple financing options for your pharmacy business. Minimum requirements include:

  • At least 6 months in business
  • Monthly income of $8,000 or more
  • Personal credit score of 600 or more


It depends on the type of financing you get. Term loans, cash advances, and lines of credit typically can be used for anything related to your business. Equipment financing is limited to the specific asset you purchase with the funds. 

Through an online marketplace, save time and effort with a single application that connects you to a large selection of lenders and loan products. A funding manager will work with you to complete the application process and advocate for you throughout the funding process.

SBA loans are backed by the U.S. Small Business Administration. You apply through private lenders, but those lenders are able to offer broader approval guidelines and better interest rates, because part of the loan is guaranteed by the federal government. The application process can be cumbersome and time-intensive, making this a slower form of financing for your pharmacy. 

Here are the three most popular types of SBA loans to consider for your pharmacy financing:

  • Microloans – Borrow up to $50,000 with few restrictions on how the funds can be used for your business.
  • 504 loans – Designed to make a large purchase, such as real estate or equipment. Borrow up to $5 million.
  • 7(a) loans – These loans also have a large maximum of $5 million for qualifying businesses. The funds can be used more broadly for working capital needs.

8 out of 10 Lendio employees* or their families own a small business.

*based on 136 Lendio employees who responded to an internal poll

Compare loan options from multiple funders.

Applying is free and won’t impact your credit.
Talk to a rep at (855) 853-6346
Mon-Fri 7:30am-5pm MST