Fast
Online application in 5 minutes. Funds deposited the next business day on most products.
Pharmacy Funding
Pharmacy Business Funding Pharmacy Funding for Independent Pharmacies
Fast, flexible, responsible pharmacy business funding from $5,000 to $5,000,000 — funded in as little as 24 hours, with no hard credit pull to apply. Coast Funding has financed independent pharmacies, compounding pharmacies, LTC, and specialty pharmacies across all 50 states since 2014.
4.8 / 5 on Trustpilot
No Hard Credit Pull
Funded in 24 Hours
Last reviewed: May 12, 2026 · Coast Funding Editorial Team
2014
Funding since
50
States served
$1B+
Deployed to operators
412
Verified reviews
Why Coast Funding
Why Independent Pharmacies Choose Coast for Pharmacy Business Funding
Independent pharmacies face funding challenges traditional banks aren't built to solve: PBM reimbursement delays, DIR fee clawbacks, high-cost specialty inventory, and tight margins on third-party scripts. Our team has been financing pharmacies since 2014 and approves pharmacy business loans based on real-world Rx sales — not just credit scores.
Flexible
Six funding products built for pharmacies — from $5K bridge advances to $5M compounding equipment financing.
Responsible
The only funding partner committed to guiding clients to responsible decisions — not just the biggest check.
Funding Options
Pharmacy Funding Options
Whether you need short-term pharmacy working capital to bridge PBM reimbursement, inventory financing for specialty drugs, or capital to acquire a second store, we have a program built for it.
Inventory Financing
Pharmacy Inventory Financing
$10,000 – $2,000,000 · 3–18 months
Keep Rx stock, specialty drugs, OTC, and front-end retail on the shelf. Sized to dispensing volume so you can take on higher-cost biologics without straining cash.
Explore inventory financing →
Working Capital
Pharmacy Working Capital
$5,000 – $2,000,000 · 3–24 months
Bridge PBM reimbursement timing gaps and DIR fee clawbacks, cover payroll, or fund a marketing push. Approval driven by recent Rx sales, not just credit.
Explore working capital →
Equipment Financing
Compounding Equipment Financing
$10,000 – $5,000,000 · 2–5 years
Finance USP 795/797/800 compliant laminar flow hoods, IV rooms, sterile compounding suites, counting robotics, and pharmacy automation with fixed monthly payments.
Explore equipment financing →
Line of Credit
Pharmacy Line of Credit
$10,000 – $500,000 · Revolving
Only draw what you need and only pay for what you use. Revolving access with monthly rates starting at 2.99% — perfect for PBM reimbursement gaps and seasonal scripts.
Explore lines of credit →
Acquisition Term Loan
Pharmacy Acquisition Loan
$50,000 – $5,000,000 · Up to 10 years
Fixed-term capital to buy an existing independent pharmacy, buy out a retiring owner, or open a second location. Predictable monthly payments tied to acquired revenue.
Explore term loans →
Receivables Financing
Receivables Financing
$10,000 – $1,000,000 · Sales-based
Turn third-party PBM and insurance receivables into today's cash. Sales-based repayment that ebbs and flows with your dispensing volume — ideal for LTC and closed-door pharmacies.
Explore receivables financing →| Program | Amount | Term | Best For |
|---|---|---|---|
| Inventory Financing | $10K – $2M | 3 – 18 months | Rx stock, specialty drugs, biologics |
| Working Capital | $5K – $2M | 3 – 24 months | PBM reimbursement gaps, DIR fees, payroll |
| Equipment Financing | $10K – $5M | 2 – 5 years | Compounding hoods, IV rooms, robotics |
| Business Line of Credit | $10K – $500K | Revolving | Recurring reimbursement gaps, monthly rates from 2.99% |
| Acquisition Term Loan | $50K – $5M | Up to 10 years | Buy an existing pharmacy, partner buyout |
All rates, terms, and amounts are illustrative and subject to underwriting, borrower qualifications, and applicable state regulations. Certain programs are made available or arranged pursuant to California Financing Law License No. 60DBO-146720.
Your Funding Roadmap
How to Apply for Pharmacy Funding
Three steps. Five minutes to start. No hard credit pull, no application fees.
Complete the application
5-minute online form plus 4 months of pharmacy bank statements (or link via Plaid). No fees, no obligation.
Review your offer
A Business Funding Advisor calls you within hours with pre-qualified offers structured around PBM reimbursement timing.
Sign and get funded
Funds can be deposited into your pharmacy account in as little as 24 hours after the signed agreement.
$25K+
Minimum monthly gross revenue to qualify for most pharmacy programs
Pharmacy Qualifications
Approved by Rx Volume — Not Just Credit
We approve based on script volume, time in business, and PBM deposit trends — not a credit score in isolation. Here's exactly what underwriting reviews.
Minimum Requirements
- 6+ months in business (3 months for select programs)
- $25,000+ in monthly gross revenue
- Active state pharmacy license and DEA registration
- U.S.-based pharmacy with a business bank account
- Valid government ID and pharmacy documentation
What We Review
- Last 4 months of pharmacy bank statements
- PBM and third-party reimbursement deposit trends
- Script volume, average Rx price, and DIR fee impact
- Compounding revenue split (if applicable)
- Time in business and ownership structure
Common Use Cases
What Pharmacies Use Coast Funding For
From bridging a PBM clawback to opening a second store, our pharmacy clients deploy capital in four recurring patterns.
Rx Inventory
Compounding Equipment
PBM Reimbursement Gap
Open Second Location
Frequently Asked Questions
Pharmacy Business Funding FAQ
The 10 questions independent pharmacy owners ask us most.
How long does the pharmacy funding application take?
The Coast Funding application takes about 5 minutes to complete online. You provide basic pharmacy details and 4 months of bank statements (or link via Plaid) for underwriting review.
Can pharmacy funding bridge PBM reimbursement timing and DIR fees?
Yes. PBM reimbursement gaps and DIR (Direct and Indirect Remuneration) fee clawbacks are the most common reason independent pharmacies tap working capital and lines of credit. We structure facilities specifically around the 14–45 day reimbursement cycle.
How much pharmacy business funding can I qualify for?
Most independent pharmacies qualify between $25,000 and $1,000,000 based on monthly script volume and Rx gross sales. Established compounding pharmacies and multi-store operators can qualify for up to $5 million via equipment financing or acquisition loans.
Can I finance compounding pharmacy equipment, IV rooms, or counting robotics?
Yes. We finance USP 795/797/800 compliant compounding equipment — laminar flow hoods, biological safety cabinets, IV rooms, sterile compounding rooms, counting robotics, and pharmacy automation — from $10,000 to $5,000,000.
Does applying hurt my credit score?
No. There is no hard credit pull to apply with Coast Funding. A hard inquiry occurs only if a specific product requires it after you accept an offer.
Can I finance high-cost specialty and biologic drug inventory?
Yes. Inventory financing and lines of credit are commonly used to stock high-cost specialty medications, biologics, and limited-distribution drugs that tie up significant working capital between dispensing and PBM reimbursement.
Do I have to take the full amount I'm approved for?
No. Upon approval you can take up to the approved amount. If you're approved for $250,000 but only need $100,000 for an inventory build, you only draw what you need.
Can you fund a long-term care or closed-door pharmacy?
Yes. LTC, closed-door, and institutional pharmacies have unique billing cycles tied to facility contracts. We structure working capital and receivables financing around their multi-facility revenue streams.
Can I use Coast Funding to buy an existing independent pharmacy?
Yes. Pharmacy acquisition is one of our most common use cases. We can fund the purchase of an existing independent pharmacy or buy out a retiring owner, often combined with working capital for the inventory transition.
Is Coast Funding licensed?
Yes. Certain Coast Funding programs are made available or arranged pursuant to California Financing Law License No. 60DBO-146720. Coast Funding Services LLC is headquartered in San Diego, California.
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